kmcoz: "Okay, I think I have read too much on IRAs and have confused myself. A contribution to a Roth IRA, which I qualify for, is it a deduction that is taken off the top of my income?"No, Roth IRA is never deductible under the current rules. A contribution to a traditional IRA may be deductible depending upon coverage by an employer's plan and your income.Regards, JAFO
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