yep i know now, i did enter it all before i filed and it didnt tell me anything just lowered what we owed, stated i was on SSDI and husband unemployed, put numbers in with and without doing a contribution, it lowered the tax we owed, so we went ahead and put into the IRA, great marketing tool, because it screwed up royal...thank god we have the money to pay them, it just sucks because that money puts us up to 28% bracket:( and all the money made on the IRA, lost of course with what is happening with paying back the IRS. Hard lesson to learn
