As long as you have generated W-2 income/earned income,, you are entitled to contribute to an IRA (Traditional or Roth). There is no age cutoff. Starting at age 72, however, you must begin taking taxable Required Minimum Distributions (RMDs) from your Traditional (pre-tax) IRA, even if you are still working and making IRA contributions.
Taxable RMDs from your employer-sponsored retirement plan (457(b), 401(k), 403(b)), also begin at age 72 if you are no longer working for the employer sponsoring the plan. For those, however, who are still working past age 72, your first RMD is due by April 1 of the year following the year of retirement.
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