Awesome, thank you macuser_22! Appreciate your responses!

Thanks again! I understand these so far, and I'm reviewing the IRS website too, but what I wanted to confirm was - is my wife considered as 'not covered by a re...

Thank you macuser_22! So my wife is not working as well, doesn't it count as 1 Active and 1 Non-Active (AGI limit of $193k instead of $123K)