啥叫较劲，你错了就是错了。以去年的报税（2017) 为例，如想把2017存入ira 的钱报减税，有401k夫妻收入超过

119000才完全不能报减免。但如你不想ira的2007放入的钱报税时把税减掉以税后收入算，收入高也能放满ira . 你仔细看去年报的2017年1040 instruction 对1040 表line 32 的解释以及提供的计算你能存入多少可现在不交税的ira 的计算表格（IRA Deduction Worksheet—line 32）。

If you were covered by a retirement plan (qualified pension, profit-sharing (including 401(k)), annuity, SEP, SIMPLE,etc.) at work or through self-employment, your IRA deduction may be reduced or eliminated. But you can still make contributions to an IRA even if you can't deduct them. In any case, the income earned on your IRA contributions isn't taxed until it is paid to you.

 

“有了401K， 一般就没有traditional IRA了”？

https://dqydj.com/united-states-household-income-brackets-percentiles/

2016, 2017 美国 至少75%的家庭收入低于119000， 也就是说大部分人即使有401k都能放入一些或全部能在年度报税时不交税的ira的。