Thanks. I've seen these charts. But I'm apparently too dumb to process them. The IRS seems to be using "you" interchangeably between singular and plural.
Table 1-2: If you are covered by a 401k, married filing jointly: limit - $129k. But it makes no mention of the spouse here. Who is the "you" you here? If I'm covered, but my spouse isn't, is it still $129k?
Table 1-3: If you are not..., married filing jointly: This one seems more clear as it breaks it down by 1 payer not being covered and then what to do if the spouse is or isn't.
It looks like the IRS is using "you" to refer to both spouses in the title of Table 1-2 and "you" to refer to just the one in the the title of Table 1-3
So, I'm just hoping for clarity: Would a lay phrasing be, "if either spouse has a 401k but the other does not, the combined MAGI limit for deducting at least some of a contribution is $214k, and if both spouses have a 401k, the combined MAGI limit is $129k?"
