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Can I still make Roth IRA contributions in 2026?

Yes — if you're under the income limit. Roth IRA income limits are adjusted annually for inflation. For 2025 (as an example), the phase-out starts at $146,000 (single) and $230,000 (married filing jointly). These limits will rise in 2026. ?? If you're above the income limit, you can still use a backdoor Roth IRA strategy (non-deductible traditional IRA → Roth conversion), which remains legal under SECURE 2.0.