I am retired, collecting a small pension and working part time. My husband is 71, retired and collecting social security. Due to the RMD of his IRA and my earnings in 2019, we are in a high tax bracket for 2019. I will stop working in Sept. 2020 and do not plan on working in 2021. I understand that we do not have to take the RMD from my husband's IRA this year. So we should be in a lower tax bracket in future tax years. Does it make sense for me to contribute to an IRA this year (2019) to reduce our tax bill this year? Are there any drawbacks?
