I have a question related to taxes and investments. For the first eight months of 2014, my wife was not working. When she began working at the end of August, she signed up for health insurance provided by her employer. For the previous six months, we had had our insurance through the Affordable Care Act. Our premiums were greatly reduced thanks to tax credits and my mediocre salary. Now that my wife has started working, our household income for 2014 will be greater than expected and our tax burden will be higher to pay back the health care credits. I'm estimating that we will have to pay back around $2000 in health care tax credits. I've read that the Modified Adjusted Gross Income is the number that the IRS uses to figure the amount of credits that we will have to pay back. Would saving money in a Roth IRA (or anywhere for that matter, I'm just getting my feet wet with investments) lower my modified adjusted gross income? Thanks for any help!