asked

I have a United States tax question. During 2020, I contributed to an IRA with the hope of deducting the contributions from my income. I worked for a company that offered a 401(k) for a month in 2020, and the rest of the year for a company without a retirement plan. My modified AGI is over $124,000. Since I worked for a company with a qualified retirement plan and had AGI over $124,000, I don't think I can deduct the IRA contributions. Do you agree? Can I transfer the IRA contributions to the 401(k) to make them deductible? Does it matter if the transfer is made in 2021? My goal is to have the IRA contributions deductible on my 2020 tax return.

February 19th, 2023

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