Taxes, IRA deductions, and limits

So's I am doing my taxes with the do it yourself software from the green box people, un turboed and not slayer (Reign in Blood !)

My refund is pitiful, and I am thinking what did I do wrong. Dang forgot the IRA deduction. I enter my contribution and expect to see 1200 or more return increase. Nope 45 bucks.

I start poking a round and it looks like when you hit 64K (Filing single) in earnings they phase out the deduction over the next 10K in earnings.

Am I reading that right ?

So Sad 8o(  First the stock market, then this. Looks like I will be working 10 years longer than expected.

Its 2020, expect to work til you die.

There is a phase out, but that is if you are contributing to a company plan.

Yeah, we need to get back to the 1920's where you work.... 

The stock market is likely to bounce back in a pretty big way.