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I am a newbie and have a "dumb" question about AGI limits on Roth IRAs, and Ed IRAs. I read the articles on different types of IRAs and saw that for both the Roth and Educational IRAs there are income limits of $95K if single and $160K if married filing jointly. Here's my question: Suppose one spouse earns all the income and the other spouse stays home, but they file jointly. All the income is brought in by the one spouse. For the purposes of IRA contributions, is the limit on that income 95-110K, or the full 160K?

TIA. kc
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