 And then if I go up to, let's say 70, let's go to 80,000. Well, let's just do 78,000. It should be gone again, 78,000. And it has now disappeared once again. All right, so now it gets messy with a married couple. So let's change it to a married couple now. So I'm going to go back on over and say they're married. Now it's important when doing the data input, when married, to indicate that this is the spouse. So that you have to be able to apply it out to the software news that they can apply out the limits based on each individual spouse. And these of course are in the order of the first one being the taxpayer, the first one you enter into the software, the taxpayer. The second one that you list is going to be the spouse, right? So you got to get that straight so that it can do the proper calculation. Let's say that they both have, let's say the second one is 50,000. And neither of them have a retirement plan, let's imagine. So neither of them have a retirement plan to start with. I can then maximize the contribution. And I could say, well, if they're married, the max is not 6,000, it should be twice that. And I'm going to go back on over to page two and I can jump to the data input and say let's say number one for both of them saying maximize for each of them. So now it comes up to 12,000 of course. Now the max contribution could increase if they're older than 50 as a general rule. So let's do that, let's change the age. So I changed the age for just one spouse and now you've got 13,000, which was the 6,000 for one and the 7,000 for the other. So let's bring it back. I'm going to bring it back down so they both get the 6,000. So they're both under 50. And now let's say that one of the spouses, let's say the first spouse on their W-2 has a retirement plan. So now they've got a retirement plan, which would be indicated on the W-2. And so I'm going to go back on over and say now it's been limited to 6,000 because it basically said, well, the other one, it got removed on the other one, which is kind of what you might expect, right? You'd say, okay, well, if they had access to the 401k, but there's an income threshold. So if I bring the threshold back under like 109,000, I believe. So notice my total income right now is 150. So let's bring it down. Let's bring it down to under 109,000. So let's say this is like minus 40, which we'll bring it down to two, one, two. So let's check that out. So 140, I meant to say 40,000. So I brought it down to 109. Is that's what I was trying to do. So 109,000. And so now it's at the 12,000 again. So it's been basically allowed, even though we had the 401k. So we have both of them in place. If it's between 109 and 129, so let's increase it a little bit. Let's say I increase it by like 5,000. So now it's at 114. So if I go back on over, now it's phasing out one of them, right? So it's basically phasing out one's spouse is at 6,000, the other's at the 4,500. And then if I go up above, above ground, I believe 129, then it'll be removed once again. Now, what if we have a situation, let's concentrate on the other spouse and let's say our income for this spouse that has a retirement plan is quite high, 200,000. The second spouse doesn't have the retirement plan, but they only made 50,000. So, and they still could be limited in this situation due to the first spouse having such a high income. So if I go back on over now, we see as we max out the retirement plans that we don't have anything. So the general rule there is if married, filing jointly and your spouse has a 401K, you can take the full deduction for your IRA contribution as long as you're modified adjusted gross income is less than 204,000. It's gotta be less than the 204,000. So that gets a fairly relatively high threshold, but you can see how those kind of rules start to enter play. They get quite complex actually when you get into the age limitations, all the combinations that you could think of, right? You've got the age limitation. So usually you'd wanna be memorizing that you can have the 6,000. If you're older over 50, it goes up to 7,000. If you don't have any other 401K or someone else has access to the 401K and wage limits, but if you have access to a 401K, then there's gonna be limitations in terms of how much you might be able to deduct. And if married, even if your spouse has access to a 401K that still might limit, each spouse's access to being able to deduct depending on the income threshold, which you would probably be dependent to some degree on the software to help you calculate, which you can calculate as a last minute kind of tax planning thing. Therefore the general strategy would be max out your 401K plans before 2022 has ended because you can't put any more in there for the tax year 2022 or whatever tax year you're talking about until after that date. And then we can see if we can maximize any added amount with the IRA and use the software to do that calculation, obviously in order to take advantage of any kind of deduction related to an IRA or retirement plan, you need to have cash flow available to be putting the money into it.