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The Saver's Credit pays you up to $1,000 back for saving for retirement — but 2026 is its last year, and one dollar over the $24,250 income line drops your rate from 50% to 20%, costing you $600 on a $2,000 contribution. Check your income now: 401(k) contributions count until December 31, 2026, and IRA contributions until April 15, 2027. Follow US Money Guide for daily money tips!

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Educational content, not financial advice.

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