I should add, the guidance goes on to say, "if you don't have a 401k but your spouse does... your MAGI should be less than $214k." But what if you DO have a 401k, per the earlier guidance (suggesting a limit of $129k) but your spouse does NOT. I don't understand how the IRS is parsing out its references to us.
Does it mean, if both of you vs. if one of you, regardless of who?
