Contributing to a retirement account may be the last thing on your mind if you're swamped with bills and not earning as much as you'd like. Plus, if you're working gig jobs without a retirement plan at work, it can be even harder to justify opening a retirement account on your own.

However, there's one benefit that could make contributing to a retirement account, such as a Roth IRA, more attractive -- especially if you think you'll owe taxes this year. If you're a taxpayer in the low- or moderate-income bracket, here's one perk you don't want to miss.

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Source Fool.com