IRA deduction limit IF you have 401k or other retirement accounts. | FinTips

by | Sep 7, 2022 | SEP IRA | 15 comments

IRA deduction limit IF you have 401k or other retirement accounts. | FinTips




Today we’re covering the income limits for getting the full deduction on your traditional IRA contributions. We’ll look at the income limits if you have a 401k at work as well as if your spouse has a 401k or other workplace retirement account.

Link to calculate MAGI:

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15 Comments

  1. Anthony Vlasic

    So when making your calculations, are the amounts off of one spouse or both? Or each limits are off that particularly sole spouse's income?

    Example: I make $125,000 and have a pension, spouse makes $30,000 and has no retirement offered. Total AGI is $155,000.

    Who can deduct?

  2. Miriam Bertram

    And now they are stealing the election there will only be Democrats in control. On to Socialism

  3. Miriam Bertram

    Thanks for happy talk. With Democrats in control, Roth IRAs will be taxed.

  4. SF

    Just a reminder that it is if a 401k is AVAILABLE at your/your spouses workplace, not necessarily if you contribute to it. Great video Dustin!

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  6. Jorge Cosme

    Great video!! 8/10 your AGI will equal your MAGI.

  7. Bruce Smith

    Thanks Dustin great info !!

  8. Troy Timmons

    Ya'll need some hot girls doing jazzersize while your music is playing like in the 90's. Builds good relationships with your clients

  9. john smith

    do you have a video on how to look at an account in folio and understand what's going on? thanks

  10. Cole Boone Customs

    Does that mean that post-tax contributions into a traditional IRA are double taxed after take it out in retirement?

  11. clemente lemus

    That hand i just noticed

  12. Marcus Callahan

    What if you make more than 124K. But you reduce your yearly income from a 401K? To be within the 104-124k

  13. Phin Al

    Whoo! That jazzercise music really pumps me up!!!

  14. Rob U_73

    Great info! The backdoor conversion takes care of Roth issues. It's been great for me, because I want most of my investments to be tax free when I withdraw.

  15. K. Rank

    content = great; closing montage………just no. 🙂

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