<human>: On the IRS webpage I find following information:

married filing jointly

< $183,000 up to the limit

$183,000 but < $193,000 a reduced amount

$193,000 zero

These numbers are based on the MAGI, which in most cases seems to be the same as AGI (I don't know for sure whether that is true for us). Looking at our salary development the last few years, our combined income from salary+bonuses hovers somewhere around 180-190k. What I am unsure about is whether "AGI" (or MAGI) will lower this number to a state where I can still contribute the max amount. I am also not sure what I should be doing if it turns out that we reach - say - 185k. How do I make sure to make the optimal financial decision?

I am happy to answer any questions that might help in figuring this out.

;

Could you distill the essence of the text into 1-3 sentences?
<bot>: Wife and me hovering around the "phase out" area in terms of AGI and I am unsure how to decide what to contribute.