你漏掉了關鍵段落

"The deduction for taxpayers making contributions to a traditional IRA will phase out 。。。。"
關鍵詞是deduction,指減稅投入TIRA,tax deductible contribution to traditional IRA will phase out....

After tax contribution, 稅後投入TIRA沒有AGI收入限製。2024 年的投入數額限製在7千/8千

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