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REDDIT

Traditional IRA Questions

M
Mar 7, 2025 · 00:11

Hello. Hopefully someone can shed some light on traditional IRA's for me.

I have a 401k through work that I contribute pre tax dollars to. I started a traditional IRA yesterday that I am going to start contributing to as well. I am above the income threshold for a Roth IRA, but I am aware of back door Roth IRA contributions, and may do that in the future.

My question is this though. I will be contributing post tax dollars to my traditional IRA. At tax time, will I be able to recuperate, via a write off, all of the tax money I paid on these funds since I will be taxed on this money again when I hit retirement age and withdraw it? Thanks in advance if anyone can help me understand how this works.