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Thanks noelbaby. I didn't research that and evidently tony didn't either.
The original post said

Is their any way to invest pre tax income in a retirement
account if your employer dosen't offer a 401k

Tonyw44 seems intent on thinking I'm offering a Roth. What could be more clear. IRS gets your money temporarily with withholding and finally with your 1040. If you reduce your withholding all year in anticipation of your 1040 being lower because you'll make a IRA contribution, where is the IRS "already getting your money?"
Also, he said he has no 401k to opt to.
Since this has gone this far I PERSONALLY think he should bag the deductible IRA. Put it in a Roth. Then with MORE after tax dollars invest in a tax managed G & I S & P Index fund. Advantages: NEVER any more income tax on the earnings in the Roth, hold the TMG&I and only pay LTCG on the growth percentage of what he actually needs in retirement, get a tax-free step-up of the remainder at death. But that's not what he asked. Ed
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