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Traditional 401k/Roth contribution for spouse who is not enrolled in 401k plan from work

Married/Filing Jointly - AGI $122,000. Spouse does not have 401k plan through work and made $24,000 for 2019 on his W2. I have a 401k plan from my employer and contributed $15,000. 

I put $6000 for my spouse and myself towards ROTH-IRA for 2019.

1) How much can I contribute to Traditional 401k for the spouse given his income of $24,000 after $6,000 ROTH contribution? 

2) I know I am still short of $3,400 on my employer 401k to reach the goal of $19,000. Can I still contribute the $3,400 towards a Traditional 401k or not? I did contribute $6000 to ROTH IRA also for 2019. 

I am getting mixed answers and stuck filing my tax return. Your input will be appreciated.

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1 Reply

Traditional 401k/Roth contribution for spouse who is not enrolled in 401k plan from work

1) the employer 401k plan is only for you. You cannot contribute into it for your spouse.

 

2)  Once 2019 ends, you cannot make any new contribution to a 401k for 2019.  (the option to contribute before April 2020 and have it back-applied to 2019 is only allowed for actual IRA accounts )

 

3)  For contributing to a ROTH IRA for either of you for 2019 it doesn't sound like you will be limited to less than 6,000 if you file MFJ.......BUT, read all of the following.  All your income for both of you isi used to figure whether a limit will be applied for the ROTH IRA contributions....The limit is described here:

 

https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2019

 

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*

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