@macuser_22 Thanks for that, good to know. Your post made me look for an IRA contributions calculator. I was aware that there were contribution limits, but I did not realize that the amount deductible could be less than the max allowable contribution (not sure why someone would put money into an IRA if it's not deductible, that money might as well go into a standard brokerage account where you can access it at any time).
You were right, it's MAGI and the coverage for one of us by the employer-sponsored retirement plan.
