<prompt> Human: So for 2015, I managed to save approximately 4500 toward retirement yay! and thought Id be in for at least some savings on my tax bill at the end of the year. Nope. Apparently I just missed the Savers Credit by less than 100 due to AGI. I mean, seriously IRS? Is the credit not supposed to be there to help people who are low to middle income? But, nooo...dont save enough and its fuck you - lets swing the scale 500 the other way.Hard enough being a teacher working 3 part-time jobs to make ends meet, but here comes the government telling me I owe them because I didnt save enough. Fucking infuriating.Edit: Made about 35k gross.  <response>: ... here comes the government telling me I owe them because I didnt save enough ...I understand your frustration, but this is a credit. It rewards people whose income is low enough if they save. It doesnt reward everyone who saves.The fact that youre not eligible doesnt mean you owe the government money. It just means you dont get the credit you were somehow counting on. Maybe that sounds the same to you because you mentally already were thinking of the credit as something in the bag and now feel deprived. Did you really only just now see what the cutoffs are? Maybe if you had looked earlier you would have not felt deprived. Or you could have upped your saving another 100 and reaped 200.Not getting a handout is a little bit different from the government telling you that you owe them some money.FWIW I would much have preferred a gradual ramp-down of this credit, much like EITC ramps down gradually. The spaced out and abrupt shifts are almost guaranteed to encourage the bad feelings you expressed. 