Average with multiple "or" and "and" conditions

Hello,

I am trying to average the named range "initial", when the column income has one of 3 values AND the column age has one of two values. After tons of looking this is the closest I got:

=AVERAGE(IF(Income={"Less than $20,000","$20,000-$30,000","$30,000-$40,000"},IF(Age="25 to 29",Initial)))

this works, but only has one value for age.

=AVERAGE(IF(Income={"Less than $20,000","$20,000-$30,000","$30,000-$40,000"},IF(Age={"25 to 29","30 to 34"},Initial)))

this returns an error.

Most importantly, I want to do this with formulas. Ideally:
=AVERAGE(IF(Income={D2,D3,D4},IF(Age={G2,G3},Initial)))

Thanks so much

Unfortunately when checking that by filtering the income and age columns then highlighting the remaining cells to see the average, that returns the wrong value. Thanks so much though