@Tjake
If 'either" of you are covered by a retirement plan at work (includes 401k too), then double check the income limits on the IRS table...which are much lower that what you indicated:
2024 IRA contribution and deduction limits effect of modified AGI on deductible contributions if you...
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
