I was covered by a retirement plan until April 1, then I changed jobs to retirement plan. Why can't I deduct an IRA contribution?

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If you were covered by a retirement plan at your job any part of the year, the allowable IRA deduction is limited to a partial deduction or no deduction depending on your adjusted gross income (AGI).

There is no IRA deduction if your AGI is $74,000 or more for single and head of household status, or $123,000 or more for married filing jointly. For married filing separately the limit is $10,000.

See Table 1-2 from IRS Publication 590a.

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