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I'm really cheesed. Man, they make it so it's impossible to get ahead. We just finished our taxes and got reamed. Why? Because we were trying to save many instead of spending it. But if we would have spent it on deductions, we would have gotten things we wanted for the same as we are handing over to the IRS.

The other thing that screwed us was that because of the tax change, we were only able to claim $700 for medical even though we spent almost $7,000!!! What bullspit!!! They are actually making it so the middle class CANNOT get ahead.

What also makes me mad is that I should have asked if we could have opened up a traditional IRA and contributed before the 15th, could we have used that deduction to offset our payments. We have Roths but not traditionals. But it's been filed, too late now for this year.

Which brings me to my question for next year. I run my own business my husband has a W2 job. We don't have much extra at the end of the month and haven't since the crash. I was just in the past couple of weeks thinking of trying to put an auto pay of $50 to each of our Roths again, which we haven't been able to do for a while.

Since I am not maxing out our Roths, would it be advisable to get a traditional or a SEP anyway and just split some of those payments so that we would have some extra tax write offs? (Even though we have now determined if there is anything deductible and I want it in the slightest way, we will be buying it.) :-/

And if I should get a tax shelter IRA, which should it be? Trad or SEP? I did notice something about income restrictions for taking deductions for a traditional.

Any input would be greatly appreciated. Much thanks in advance,
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