dmertz
Level 15

Retirement tax questions

No.  There is no way to sufficiently reduce your MAGI to enable you to fully deduct a $3,000 traditional IRA contribution.

Make a Roth IRA contribution instead.  Even if you were eligible to deduct a traditional IRA contribution, the growth in a Roth IRA that will be tax free once requirements are met will likely be more beneficial in the long run than a tax deduction now and taxable distributions later.