My spouse 55 is still working, I am 58 disabled collecting social security. We file jointly every year. Can I open a traditional IRA the 7000.00 max? My credit union says no because I am not working. TD Trade says yes. I don't know what I can do. I did my Turbo Tax and it checked out fine but now I'm not sure if I should take the deduction for the IRA out?
Please help, I want to do this correctly.
