Thanks, I went to that link and it said, "If you were married and both you and your spouse contributed to IRAs, figure your deduction and your spouse's deduction separately." Not sure what that means as I'm married filing jointly, we both have work retirement account, and I thought I'm looking at all income together?
I also went here https://www.investopedia.com/terms/m/magi.asp and I'm not sure about the income limits, as it says if I'm covered by a work plan then limit for full deduction is $103,000 and if my wife is covered by work plan, the limit is $193,000.My combined MAGI looks like $118,000