@DanaB27, I actually just put in the numbers for the varying scenarios to see how TurboTax handled then.
For the first scenario, it allows me to put $1,050 each into both spouses' T-IRAs and the balances of $5,950 each into both spouses' Roth-IRAs, no problem.
But when I tried the second scenario, putting $2,100 into one person's T-IRA (then $4,900 into that same person's Roth-IRA) and putting $7,000 into the other person's Roth IRA, it looks like it limits T-IRA deductibility to $1,050.
So...the deductibility cannot be combined, but instead divided into each spouse's account. Interesting...but no big deal if that's the case.
(We each had access to a workplace retirement account until becoming unemployed in March and April, respectively, 2020.)
