Making a traditional IRA contribution and deducting it are separate questions. Income and workplace retirement coverage can limit the deduction for you or your spouse.

Confirm eligibility before assuming a contribution will reduce your tax. If a contribution is nondeductible, proper reporting helps preserve basis and avoid taxing the same money again.

Your next steps

• Review workplace-plan coverage for both spouses.
• Check current-year income limits.
• Keep contribution and basis records.

General education, not individualized tax or legal advice. Illustrations use stated assumptions and do not promise a refund or tax saving.