Sorry dear you are retired and no income, pension, social security don't count... Not able to take my word for it and I've not found the appropriate IRS document. From Pub 590 concerning traditional IRAs"You can open and make contributions to a traditional IRA if: You (or, if you file a joint return, your spouse) received taxable compensation during the year..."I think you are wrong and she is right. OTOH, if your income is Schedule C: "If you are self-employed (a sole proprietor or a partner), compensation is the net earnings from your trade or business (provided your personal services are a material income-producing factor) reduced by the total of: The deduction for contributions made on your behalf to retirement plans, and The deduction allowed for the deductible part of your self-employment taxes."you may be overestimating what you can contribute.
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