You are referring to the Kay Bailey Hutchison Spousal IRA Limit
https://www.irs.gov/publications/p590a#en_US_2021_publink1000230412
And you are correct, TurboTax does a horrific job with this. There was a recent year we didn't contribute because TT made us think we couldn't. I can't believe with all the upset customers this hasn't been more clearly resolved. Read about it with this IRS link and it should make sense. As to how TT will integrate it for 2023, I can only hope!
