dmertz
Level 15

Retirement tax questions

The phaseouts only apply to the eligibility to deduct the traditional IRA contribution, not to the eligibility to make the contribution.  To be eligible to make the contribution you must have sufficient compensation (generally income in box 1 of a W-2 minus any amount in box 11, or net earnings from self-employment), and for 2019 you cannot have reached age 70½ or over in 2019.