Q: I am 73 and single. Looking at my taxes for 2020, I think I can save a few bucks by putting money in an IRA. I don’t have a 401(k) or anything like that, and make some money working part time so if I understand it, I can make a deductible IRA contribution now. Is that true? Is that smart?
— Gene in Mobile
Working seniors, regardless of their age, have always been able to contribute to a Roth IRA if their income was within certain limits but if over age 70½, they could not contribute to