Wife earned $8K and I earned $40K (pension and DIV/INT). I contributed $8K to a Roth and wife contributed $3K. Why is your SW indicating an excess contribution of $3K?

My pension is retired military

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Wife earned $8K and I earned $40K (pension and DIV/INT). I contributed $8K to a Roth and wife contributed $3K. Why is your SW indicating an excess contribution of $3K?

You can only make IRA contributions up to your combined compensation from working. Compensation includes W-2 wages and self-employment, but not pensions. See table 1-1 in publication 590-A.

https://www.irs.gov/pub/irs-pdf/p590a.pdf

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