I've searched high and low can't find clarification this. We are married. I made less than $129k, my wife made more. The following excerpt is from a Schwab Q&A.
If you're married filing jointly, the rules are a little more complex. In that case, if you—as the owner of the IRA—have a retirement plan at work, your MAGI must be less than $129,000 to take a full or partial deduction in 2022. Once your MAGI reaches $129,000 or more, you're no longer eligible for the deduction.
But when it refers to "your MAGI," does it mean each of us, or combined?
