How do I get credit for a traditional IRA even though I file joint with my husband who has a 401K?

[DoninGA · Accepted solution]

To enter a IRA contribution -

• Click on Federal Taxes (Personal using Home and Business)
• Click on Deductions and Credits 
• Click on I'll choose what I work on (if shown)
• Scroll down to Retirement and Investments
• On Traditional and Roth IRA Contributions, click the start or update button

Or enter ira contributions in the Search box located in the upper right of the program screen.  Click on Jump to ira contributions

[djsisti4]

It won't allow me to do this because of income limits. Other information tells that if I do not have a 401K the income limit is higher. Is this a glich?

[DoninGA]

See this IRS website for contribution limits if your spouse is covered by a retirement plan at work - <a rel="nofollow" target="_blank" href="https://www.irs.gov/retirement-plans/plan-participant-employee/2018-ira-contribution-and-deduction-l...>

[djsisti4]

Yes thank you, it says your modified AIG can be any amount if one spouse does not have a 401K. It won't allow this for me?

[DoninGA]

married filing jointly with a spouse who is covered by a plan at work
Is your Modified Adjusted Gross Income less than $189,000?

[djsisti4]

yes