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Retirement tax questions
You are apparently filing jointly. If you spouse does not work and your spouse also made an IRA contribution based on your compensation, the total of the two contributions cannot exceed the amount of your compensation.
However, an $5,500 was the contribution limit for 2018, so it would seem to be an unusual coincidence if the excess was not coming in as an excess contribution that had been made for 2018. Examine Form 5329. Using online TurboTax, you'll need to pay for TurboTax before you can download and print.
March 2, 2020
11:24 AM