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Jack makes 200,000 a year. Jill makes 120,000 a year. Jack has access to 401(k) plan at work and Jill doesn't. Their combines AGI is over 160,000 but Jill's AGI is under 160,000 (since it's 120,000).

(1) Can Jill make a TAX DEDUCTIBLE CONTRIBUTION to traditional IRA ?

If (1) is yes then:

(2) If Jill has made previous contributions to traditional IRA with after tax money (non-deductible contribution), Can she make this now deductible contribution to the same IRA account (and thus mix tax deductible and non-deductible contributions in the same account) ?

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