Hi, married filing joint, husband is covered by 401(k), MAGI is too high (>200K) to get a deduction, both 50+, wife not working and is SS recipient. Seems we can't get a deduction on regular (or ROTH?) IRA contributions. Can we still make the 7,000 each contribution regular IRA for 2020 and 2021 even if we can't deduct it?
