Low-income earners should see if they are eligible to apply for a saver's tax credit when they file their 2013 taxes. The credit is based on a person or couple's adjusted gross income and how much they set aside in an employer-based retirement plan or IRA.

Individuals who make less than $29,500 of adjusted gross income or couples who make $59,000 and file jointly are eligible to apply.

Individuals can take a credit up to $1,000 and married couples can take a credit of $2,000 if they made eligible contributions to either a 401(k) plan or an IRA.

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