Deductions & credits

Thanks for the note and the link.  After looking through the document I think there's a further restriction for Roth IRA contributions that we're running to.  On p40 of the copy I just downloaded, it says for Roth IRAs "your contribution limit generally the lesser of: $7,000 ..., or Your taxable compensation".

This tracks with the IRS making us pull back part of my Roth IRA contribution last year.