I've been having difficulty tracking down exactly how the Retirement Savers Credit (https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-save...) works for Married Filing Jointly filers.
Currently, all of our contributions to retirement go solely into my wife's 403B due to the tax advantages she will receive from it as a minister. Thus I have 0 retirement contributions to list on Form 8880 https://www.irs.gov/pub/irs-pdf/f8880.pdf.
I've read that married filing jointly filers get a maximum of $2000 rather than the $1000 for individual fillers. But Form 8880 makes it look like that is per filer and if my wife is contributing $6000 while I do $0 then she has to put $2000 into line 6 which if we got an AGI below $39000 then we'd only get $1000. Am I right in how I've read the instructions? It seems a bit unfair to families that focus on maxing out one person's retirement account.
Thanks
