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Melanie and Jim's marginal tax rate is 2 2 % . Buy contributing $ 6 5 0 0 each to their IRA account, how much

Melanie and Jim's marginal tax rate is 22%. Buy contributing $6500 each to their IRA account, how much can they lower their tax liabilities by their IRA contributions? If they choose to contribute to both IRA instead, how much can they lower their tax liabilities?

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