Can my wife contribute to her rollover IRA? She is self employed but not profitable. Neither she nor I are covered by a plan at work.

[tomcohen]

Turbotax will not post the contribution because of excess AGI, but IRS says otherwise--there is no AGI limit for us: https://www.irs.gov/retirement-plans/plan-participant-employee/2022-ira-contribution-and-deduction-l...

[ThomasM125]

One possibility is that you have a retirement plan at work but choose not to contribute. This would be considered having a retirement plan at work. If your W-2 form indicates you have a retirement plan in box 13, then you would be considered to have such a plan.