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FILE- This July 24, 2018, file photo shows a portion of the 1040 U.S. Individual Income Tax Return form for 2018 in New York. Setting money aside for the future is important, but where you store that money can make a huge difference in your tax bill. (AP Photo/Mark Lennihan, File)

FILE- This July 24, 2018, file photo shows a portion of the 1040 U.S. Individual Income Tax Return form for 2018 in New York. Setting money aside for the future is important, but where you store that money can make a huge difference in your tax bill. (AP Photo/Mark Lennihan, File)

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