Since Obama care looks at modified adjusted gross income adding to an IRA probably won’t work. 401K contributions may, but I don’t think you can do prior year for that. Your best bet is to have had a business and lots of deductions for that business, make-believe or not. But you didn’t hear that from me.
I was afraid of that. Didn’t know how it worked. Certainly they can’t allow hardworking American’s to get ahead.
There’s got to be a way. This whole Obamacare system is BS.