Talking about a Traditional IRA, where there's the possibility for deductions. Already understand that about the Roth.
Nonetheless, I think your answer holds, given the clarification on "combined MAGI." My confusion comes from the language in the IRS publication. As previously stated, Table 1-2 only mentions "you" with no mention of a spouse. How does the IRS even know who they're addressing in this instance? In Table 1-3, they mention "you" and a spouse. And then when they mention "your" MAGI, per your comment, they seem to be meaning the MAGI of the joint-entity filer. They're handling the "you" in 3-different vague ways here, it seems.
But no need to beat a dead horse. If the following statement (which includes qualifiers for my sake of clarity) is correct, then I understand: "if either spouse has a 401k but the other does not, the joint-filer MAGI limit for deducting at least some of a contribution to a traditional IRA is $214k for the person without a 401k and $129k for the person with one, and if both spouses have a 401k, the joint-filer MAGI limit is $129k for both persons?"
Assuming ^^ is correct - thanks for your help!
