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I said
"You'r kidding? Just adjust your withholding downward in
anticipation of the deductions---ergo pre-tax. Ed
You said:
Well, one catch. That's not pre-tax income. Even if you can
deduct the contribution, you are still putting money in after
the taxes have been withheld from it.

I said reduce your withholding IN ANTICIPATION (all year) and make the IRA contribution in December--that reduces taxes before the contribution. The point is you don't withhold the taxes on what you intend to later put in the IRA.

You wrote again.
Actually, Ed, you are still not paying with pre-tax dollars. An IRA doesn't
reduce your taxable income like a 401k does.

Actually they both reduce AGI and hence "taxable income" exactly the same (but of course not as much, but he's looking for the best substitute without a 401K). Is there a difference except the SocSec? Remember, this a second choice--would you not tell him about it because it isn't just as good?
I'M just trying to help. :>( Ed
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