1. You can contribute the full amount to a traditional IRA. The question is can you deduct the IRA on your taxes. If you were covered by a retirement plan at work this year, you are subject to income limitations. MFJ phases out when MAGI is $109,000 to $129,000. See IRA deduction limits for more.
2. For 2023, if you do not make enough to contribute, your spouse can contribute the funds. Since you do not have a retirement plan, there is no limitation. A spousal contribution does not bring you under his work retirement plan so you are still considered not covered. See Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs)
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