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1.) I am a nonworking spouse. My husband makes $400K/yr and is involved in a 401K. I know we cannot participate in a Roth or a tax deductible traditional IRA. Question: Can I as a nonworking spouse contribute to a nondeductibe traditional IRA? Can my husband?

2.) I trade constantly in my online Ira accounts. When I make trades within my online IRA account, can I cover my trading costs with non-IRA money, or do my trading fees have to be accounted for with my contribution money. Do I need to keep a detailed list for accounting purposes?
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