Greetings I have retired with a good pension. Within the last year I applied and after 6 mths i was able to get disability SS due to complications with diabetes. Due to my ss and pension together it put me close to my last working salary and Uncle Sam made me pay. Any suggestions what to do with some of my income to lesson the hit i am taking. Can I start a Roth or traditional IRA to defer money to. Any help to get me started in the right direction is appreciated.