@RayW7 Don't you have to have earned income to make a contribution ? I hadn't seen that the SECURE act had eliminated that requirement...but maybe I missed it.
I didn't see anything in @Telecorder 's post that indicates that either spouse had any earned income in 2020 at all..
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
