Thank you for your response, I may have not made myself clear when asking the question or comments.
What I was trying to understand was this comment from ErnieS0
“Yes. You are correct. Because you are not covered by a retirement plan, the higher income limits apply, and you can contribute the full amount to a spousal IRA.”
Just didn’t understand or think that I can contribute to a spousal IRA.
My spouse was covered by a retirement plan with their job. I retired over a year ago and am not covered by a retirement plan. It is my understanding that I can contribute to my Traditional IRA and take a deduction because we are filing jointly and spouse was covered by plan at work and our MAGI is 204,000 or less.
Sorry for being confused, just trying to understand everything correctly.
ckw-jw51
