Greetings, Elizabeth, and welcome. You asked:

<<You mean a ROTH, right? It was my understanding that after a certain income level, one cannot contribute to a standard IRA.

I'm puzzled.>>

It can be to either depending on income and filing status. See our IRA area at http://www.fool.com/money/allaboutiras/allaboutiras.htm for details. As long as one spouse has earned income and the person owning the IRA is under age 70 1/2, then one may ALWAYS make a nondeductible contribution to a traditional IRA. Contributions to a deductible traditional IRA are limited by adjusted gross income for those covered by a retirement plan through work. A nondeductible contribution to a Roth IRA is not allowed above certain levels of adjusted gross income. Those limiting factors are explained in out IRA area.

Regards..Pixy