Review your entries to confirm that they are correct for both IRA contributions and that all of the questions in the program were answered correctly.
You can contribute to an IRA if you earn income from a job or from running your own business, and under certain circumstances, you can even fund an IRA if you’re not working at all. One such circumstance is opening a spousal IRA. Spousal IRAs allow a working spouse to contribute to an IRA on behalf of a non-working spouse.
If you file a joint return, you may be able to contribute to an IRA even if you didn’t have taxable compensation as long as your spouse did. Each spouse can make a contribution up to the current limit; however, the total of your combined contributions can’t be more than the taxable compensation reported on your joint return. See the Kay Bailey Hutchison Spousal IRA Limit in Publication 590-A.
As you noted, the contribution limit for taxpayers over 50 is $8,000 for 2024 - or your taxable compensation, whichever is less.
If you're covered by a retirement plan at work, your modified AGI may affect the amount of your deduction. For tax year 2024, joint filers must have modified AGI of $123,000 or less in order to qualify for a full deduction up to the amount of the contribution limit.
Please see also the discussion in this thread. Some users have found that they inadvertently doubled the amount input for each IRA which caused a problem such as you described.
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