@Bsch4477
THAT IS IT! Finally! Thank you so much.... I hope this will also be helpful to others in the community: (adding it as an FYI:
Enter your adjusted gross income (AGI) from Form 1040, 1040-SR, or Form 1040-NR,
line 11, figured without taking into account the amount from Schedule 1 (Form 1040),
line 20
2. Enter any student loan interest deduction from Schedule 1 (Form 1040), line 21
3. Enter any foreign earned income exclusion and/or housing exclusion from Form 2555,
line 45
4. Enter any foreign housing deduction from Form 2555, line 50
5. Enter any excludable savings bond interest from Form 8815
6. Enter any excluded employer-provided adoption benefits from Form 8839
7. Add lines 1 through 6. This is your modified AGI for traditional IRA purposes
