<prompt> Human: I understand the difference between roth and traditional IRA but I came across a practical issue that I was not sure of the answer to. Traditional is a pre-tax contribution but how does that actually work if you cant get a direct deduction from your paycheck? My guess is that you still contribute post-tax dollars but at tax time it lowers your AGI by the contribution amount. Is that right?Thanks!  <response>: My guess is that you still contribute post-tax dollars but at tax time it lowers your AGI by the contribution amount.Yes, make sure to include this on your taxes when you file. 