First, you have to have a qualifying dependent to file as Head of Household.
So now you will have to file as Single.
Yes, put your money in an IRA. Yes, it will reduce your taxes this year, and when you retire in a few months ( 😉 ), you will appreciate every penny you set aside.
"Forced retirement contributions"? Yes, the tax rules do strongly encourage you to make retirement contributions...and in the long run, it's to your benefit to do so.
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