Ordinary income is money you earn from working, investments, and other sources that the IRS taxes as regular income rather than at special rates. Understanding what counts as ordinary income matters because it affects how much tax you owe and which retirement accounts or tax strategies might work for your situation. This section answers common questions about what ordinary income includes, how it's taxed, and how it interacts with retirement savings.

The articles here explain which types of earnings fall into the ordinary income category, how ordinary income differs from capital gains and other income types, and why the distinction matters when you're planning for retirement or managing investments. You'll find information about how ordinary income affects your tax bracket, contribution limits on retirement accounts, and withdrawal rules from different account types.