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).

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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.

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Posted by mctiger1985

Baton Rouge

Member since Oct 2009

3693 posts

Posted on 3/25/13 at 12:30 pm to Catman88

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).

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Posted by Catman88

Baton Rouge, LA

Member since Dec 2004

49125 posts

Posted on 3/25/13 at 1:08 pm to mctiger1985

What is the difference in AGI when you file jointly? I dont see what AGI and joint AGI differ at all in that senerio.