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If I earned too much money according to RRB, they say I have to pay back. But tax people say I can open IRA and avoid this. Who is right?
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You are getting apples and oranges here.
Both are right in some respects.
You can lower the income taxes by doing an IRA (non-Roth). ---- Income Tax Rules
However if you make too much money per RRB and are below the full-retirement age you can end up paying some back. The IRA will not impact at all what you have to have to pay back. ---RRB Benefit Rules
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