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Your gross income of over 50,000 for each allows you only to make non-deductible contributions. You can contribute $2000 for eachHelp please

I make $64 000/yr, hubby makes $104 000, we are contributing to our 401K's, and are wondering if we can contribute $2000 each per year to IRA's as well, I know we don't qualify for any deductions etc.

We've recently moved to the US (Canadian citizens) and are still working on the tax system (rather confusing).
We file separatly on income tax, the government just takes more if we file jointly.

Also can we contribute to Ira's for years gone by (1997 and 1998 for example) Thanks
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of you for a total of $4000 for 1999 by April 17th.

No you cannot contribute for past years. This phaseout of 40,000 - 50,000 is the limit for each with a qualified plan at work and for filing jointly. If filing seperately the phaseout is 0-10,000. There are severe penalties for filing seperately. You should also make up a return for filing jointly to see if there are any advantages or disadvantages.
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