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Catman88
LSU Fan
Baton Rouge, LA
Member since Dec 2004
41512 posts

401k and Tax Ded-IRA married filing joint

Can anyone explain what is the difference between the two here:

quote:

5. A married person who actively participates in an employer-sponsored retirement plan but whose spouse does not, provided the couple files jointly and has AGI below $115,000 for 2013, subject to phase-out rules starting at $95,000.

6. A married person who does not actively participate in an employer-sponsored retirement plan but whose spouse actively participates in such a plan, provided the couple files jointly and has joint AGI below $188,000 in 2013 (subject to phase-out rules starting at $178,000).


LINK /

My wife does not have a 401k plan at work and I do. She contributes to a traditional IRA account.

I cant figure out which income limit I need to look at based on the above.

5 & 6 read like inverses of each other to me but the imcome limits are different.


mctiger1985
LSU Fan
Baton Rouge
Member since Oct 2009
1814 posts

re: 401k and Tax Ded-IRA married filing joint
Taking a shot here (see bold):

5. A married person who actively participates in an employer-sponsored retirement plan but whose spouse does not, provided the couple files jointly and has AGI below $115,000 for 2013, subject to phase-out rules starting at $95,000.

6. A married person who does not actively participate in an employer-sponsored retirement plan but whose spouse actively participates in such a plan, provided the couple files jointly and has joint AGI below $188,000 in 2013 (subject to phase-out rules starting at $178,000).


Catman88
LSU Fan
Baton Rouge, LA
Member since Dec 2004
41512 posts

re: 401k and Tax Ded-IRA married filing joint
What is the difference in AGI when you file jointly? I dont see what AGI and joint AGI differ at all in that senerio.



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