Opus 17
Level 15
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Deductions & credits

First, you or your spouse must have income that is considered compensation from working. This is usually wages from a W-2 box 1, or self-employment income from schedule C (including box 14 from a K-1).  If you don't have compensation, then all IRA contributions are excess.

 

Then second, you don't report 401k contributions in the IRA section.  401k contributions are captured from your W-2.  A 401k is not an IRA, and the only thing you should enter in the IRA section is direct contributions to a private IRA.  And each spouse must have their own IRA.  Make sure when entering the IRA contributions you don't accidentally assign everything to spouse #1, make sure spouse #1 and spouse #2 are entered separately. 

 

Assuming all this is correct, your contributions should not be considered "excess" up to $8000 per spouse even though they are not tax deductible.  Each spouse will get a form 8606 to keep track of non-deductible contributions and you must keep this form for when you start making withdrawals.   

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