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OK I Hope someone can help me with this

I make $64000 per year, hubby makes $105000 per year, we are contributing (heavily) to 401K's but our accountant says we do not qualify to do an IRA as well (I know we don't get the tax deduction and a roth is just a dream) BUT?? can we each contribute the $2000 apiece to invest and grow.
We file separately on income taxes if that helps
(we just moved to the US 2 years ago from Canada and are still trying to figure out the tax system)
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