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Hey TRP,

Honestly, I wish I could do this! If I am earning about $30,000, I would love to not exclude $5,000 in order to max out my Roth! If I have to pay tax on the $5,000 in order to do so, I would gladly do it. A little bit of pain now for a lot of happiness later would completely be worth it.

I do file my taxes every year. I believe that you have to. While the earnings don't add value to my future SS or medicare (to my knowledge), I was told that the years of work will count.

Phil, is it possible to choose not to exclude $5,000 of my income in order to legally contribute to a Roth?

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