Hello and thank you for helping me. I just got out of grad school. I have 73,000 in student loans to pay back. I will be making $58000 a year working for a University. I have a retirement account through work. I am married and my wife has no student loans. We have 1 child. I would like to lower my AGI so I can have lower student loan payments because I have other debt like child support from a previous relationship, rent, car, food, utilities, etc. I would like to open an IRA for my wife so she can have a retirement fund. I just went through Turbo Tax plugging in the numbers to make sure I am having enough money withheld from my pay check to not have to pay taxes in April. When it came to the option for my wife's IRA that I want to open for her with money I make from work, the program was worded as a contribution she would be making even though I put in the program that she didn't work. When it was through, only the $5500 contribution for her IRA showed up - not anything from my contributions to my retirement account through work. The end result was that our AGI with only me working was just a bit lower than my income. It was 52,500. How do I get it lower? Thanks!