I have a spousal Roth IRA set up for my stay at home wife which we max out every year.
I thought that I was phased out of deduct-ability for a traditional IRA because our household income is greater than $98k of which my wife has no earned income.
I was reading into it and there is another income limit of "spouse (me) participates in a workplace retirement plan" of $183k. Now does my wife need earned income to have the contribution be deductible? Or can we add the $5500 to her IRA and get the deduction because technically she isn't covered by a workplace plan.