Hello everyone,

I am new to this site and fairly new to investing. I have been, though, reading quite a bit on retirement savings and investing as a whole, yet still as a newbie to all of this, am unsure of where and how to invest.

I have a question regarding AGI and the Roth IRA. Is a couple eligible in any way for the Roth IRA if they make over $160,000? More so, does investing in a 401(k), or for us, a 403(b) allow us to subtract the total amount invested from the gross income to calculate the AGI (this might be completely wrong, I just don't know) and in turn, be below the $160k to invest in the Roth IRA? Thanks ahead of time for any responses!

If over 160,000 then you cannot contribute to a Roth.

Yes, putting some income in a tax deferred 401k or 403b can bring your AGI down to 150,000 and then you can contribute full amount to Roth.

Thanks Roger!