Check the tables in the link below....since you, yourself are covered by a Retirment plan at work for 2024 (401k)...then your ability to make a deductible contribution to your own IRA may be limited by your MFJ Modified AGI (there's a link in the IRS article to what is included in MAGI).
That MAGI will include all your MFJ interest, dividends, Cap gains, and any retirement $$ your spouse receives (might include some SS income too if she's tarted that).
2024 IRA contribution and deduction limits effect of modified AGI on deductible contributions if you...
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
