My wife is contributing to her SEP-IRA but I do not have one (I do have a schedule C, but I am not making a SEP contribution from it). I'd like to contribute to a Traditional IRA instead. But TT tells me our income is too high while being covered by a retirement plan at work. I get that my wife's SEP means she's covered by a retirement plan at work, but why is that affecting my contribution? Shouldn't the two be separate?
