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Different view - Total taxable compensation for my wife was $4999.  I'm not thinking that our combined IRA contribution can only go up to that amount - i.e. she could make an IRA contribution, and I could make an IRA contribution, but the sum of those contributions can't exceed her taxable compensation.  So in this case we are limited to $4999 combined contribution for 2023.  

 

Does this sound right?  If so, that explains why TT is finding two contributions of $4999 to be excessive.  

 

Thanks.