I am not sure where you are seeing the MAGI limit of $103,000. Feel free to comment the link below and I can take a look at it. You can check out this IRS link for the 2018 MAGI limitations for Traditional IRA contributions: IRA
Limits.
If you are filing Married Filing Jointly, if neither of
you is covered by an Employer-Sponsored
Retirement Plan there are no limits
on your MAGI for Deductible Traditional IRA Contributions.
If only you OR your
spouse is covered by an Employer Sponsored
Retirement Plan, the ability for the non-covered spouse to make a Deductible IRA Contribution phases out when your
joint MAGI is between
$189,000-$199,000.
If you are both covered
by an Employer Sponsored Retirement
Plan, the ability to make a Deductible Traditional
IRA contribution phases out when your MAGI is between $101,000 and
$121,000.
https://www.irs.gov/retirement-plans/plan-participant-employee/2018-ira-contribution-and-deduction-l...
