Yeah, that can get confusing as to which spouse they are referring to
Spouse1: You....working with contributions to a 401k plan.
Spouse2: working wife/husband/partner with no retirement plan coverage at work.
I read it as:
MFJ Spouse2 can make a full contribution to a deductible IRA, if Spouse1 is not covered by a retirement plan at work.
But Spouse1 does have a plan (401k) that was contributed to in 2025
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
