<prompt> Human: I bring this up here because Im amazed at the amount of people who could really use this and have absolutely no idea that it exists. There exists a tax credit for people with lower incomes who are also contributing to a retirement plan. Form 8880 is what you would use if you make less 60k married or 30k single and have made qualifying retirement plan contributions. You contribute to a retirement plan and you get a tax credit. Not a deduction, a credit. Theres still time to contribute to a 2014 retirement plan it looks like Roth IRAs count just as well so if you meet those AGI limits make sure you look into this. The people Im working with now are able to put 4,000 into an account and will get 2,000 back in their pockets. Thats a lot of money.  <response>: PSA: you cannot claim the credit if you are a dependent. 