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3.
Paying into a retirement savings plan will increase your taxable income.

False

True

All Answers 1

Answered by GPT-5 mini AI
False.

Contributions to pre-tax retirement accounts (like a traditional 401(k) or deductible IRA) reduce your taxable income in the year you contribute. Roth contributions are made with after-tax dollars, so they don’t lower your current taxable income (but they also don’t increase it).