My wife's employer started a 401k for 2020 but didn't offer one in 2019. For purposes of TT 2019, it's asking if I or my wife are covered by a retirement plan at work. Is this considered "covered by a retirement plan" even thought it wasn't available last year? (can she still open an IRA and get the deduction for 2019)
Also, I am self employed and have a SEP. Is this considered "covered by a retirement plan?" I have actively contributed to it in 2019.
