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plowt-kirn t1_j2b62pe wrote on December 30, 2022 at 11:26 PM

> being able to contribute to a deductible traditional IRA again…. What else?!

Earned income is required to be able to contribute to an IRA. So if you literally have $0 income in 2023, there's no IRA contributions.

However consider doing Roth conversions, provided you have money saved up to pay the taxes.