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You can always contribute to a Traditional IRA, no matter what your income is, no matter what your filing status, no matter if you're covered by a plan at work.

The only thing those affect is the deductibility of your contributions. (For people who are eligible, the money is taxed when you are paid, then you put it in the IRA, and at the end of the year the government gives you back some of the taxes you already paid.)

For more information on 529 plans, see
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