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Deductions & credits
The tax code summarized a different way for this:
"Married filing jointly (spouse has employer plan, IRA owner does not)**"
is here...
https://www.jrcpa.com/retirement-plan-contribution-limits-phase-out-ranges-and-income-limits/
"For married couples filing jointly, if the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range increases to between $126,000 and $146,000 ($123,000 and $143,000 in 2024).
For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the phase-out range increases to between $236,000 and $246,000 ($230,000 and $240,000 in 2024).""
‎February 19, 2025
11:10 AM