TurboTax is telling me that my spouse had excess Traditional IRA excess contributions of $6618. That is not true. There were no excess contributions. How do I fix this?

[craigd13]

I am 66 and I contributed $8k to my Roth IRA; my spouse is 65 and contributed $8k to her traditional (rollover) IRA. We both had income that meets thresholds. Tax year 2025. What is going on?

[CatinaT1]

You say your spouse contributed to her traditional IRA but have rollover in parentheses. Did she make a new contribution or did she roll over an account?

[craigd13]

Thanks for helping. I figured out what happened. We have been living almost exclusively on Social Security and Traditional IRA Distributions (mine, not hers) which apparently is not counted as income with regard to calculating her rollover IRA allowed contribution amount. The only income used for determining eligibility was income from skin care direct sales (about $1500 gross for the year). We will have to claw the $8k back to avoid 6% annual penalty from the IRS.