Turbo tax is saying my spouse has an excess contribution, but she only contributed 7k and is not covered by a work plan, and it was made as a non ded contrtribution

[Opus 17 · Accepted solution]

Do you or your spouse have income earned from working?  That is either W-2 box 1 wages, or about 92% of your self-employment income.  Investment income and other types of income don't count as compensation.  You can only contribute to any IRA up to the amount of your compensation from working.