Thank you for your informative reply, Dmertz
Our modified AGI is 264,020. I am 100% retired so no wages. My spouse is an independent contractor with no benefits, no pension, no retirement plan from her ER… she received only form 1099-NEC: on the 1099-NEC form, besides payer’s, and recipient’s name, address,TIN number, her wages is listed on BOX 1 non-employee compensation, all other boxes are blank.
Regarding AGI limit on tax deductible traditional IRA, why TurboTax allowed us to adjust our income as showed on Schedule 1, Part II, line 20: 15000.
Best regards
