you can't contribute to either a traditional or a Roth IRA.
However, in some cases, married couples filing jointly
may be able to make IRA contributions based on
the taxable compensation reported on their joint return."
Deductible Traditional IRA contributions 으로 household MAGI에
영향을 주어 . . .
커버드 캘리포니아 에이전트와 IRA provider 의 에이전트들과 상담해보세요.