Level 1

Is there any way to lower retroactively your Modified Adjusted Gross Income (MAGI) for the previous year?

Got a message in the Deductions & Credits section when doing the IRA deduction that our Modified Adjusted Gross Income (MAGI) is too high.   To be able to deduct a contribution for a Roth or Traditional IRA you can't have a MAGE over $123,000 while being covered by a retirement plan at work.  


We are $1,586 from that cutoff but didn't maximize our HSA last year.  Is there any way to retroactively fix this or somehow lower our MAGI so we are able to deduct?