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is there any solid reason why somebody in there mid 30s who cannot have a roth ira, or the deductibility of a traditional ira to still contribute to an ira just not deduct it. if my wife and i both contribute 2k each and don't deduct it, we will have that money taxed twice no? ordinary income taxes apply when we take distributions, so unless I can make enough money on it through tax free capital gains there would be no reason.

Help me if I am missing something.
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