dmertz
Level 15

Retirement tax questions

You can contribute to the traditional IRA, but since you are an active participant in a workplace retirement plan your deduction for the contribution might be limited depending on your modified AGI for the purpose.  There are still ways that you might benefit from making a nondeductible traditional IRA contribution, such as if it might make sense to convert all of your traditional IRAs to Roth, so you are correct to question the benefit of a nondeductible contribution.