dmertz
Level 15

Retirement tax questions

Neither of you is eligible to deduct a traditional IRA contribution.

 

MAGI on a joint tax return is from the combined total of both spouse's income.  You are referring to that as "combine MAGI,"  but on a joint tax return there is no such thing as uncombined MAGI.  It's just MAGI.  On a joint tax return, the amount that your individual portion contributes to the total is immaterial.