qbteachmt
Level 15

It might still be deductible. If you are not familiar with spousal IRA:

https://www.investopedia.com/terms/s/spousal-ira.asp

"A spousal IRA is a strategy that allows a working spouse to contribute to an individual retirement account (IRA) in the name of a non-working spouse with no income or very little income. This is an exception to the provision that an individual must have earned income to contribute to an IRA. However, the working spouse's income must equal or exceed the total IRA contributions made on behalf of both spouses."

One thing that changed from original, is how you no longer need separate account types for all the purposes. For instance, one Trad IRA account, if the brokerage or bank allows it, can hold rollovers, contributions, and spousal allocations. In the "olden" days, people would open a new account every time they had a rollover or conversion and only put contributions in yet another account.

https://www.investopedia.com/ask/answers/160.asp

 

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