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Don't understand, our AGI is much less than the $159-$169K, in fact our AGI is less than $100K. What shall I do on this matter?
Yes we did, she has her IRA and I have mine. Her amount of earned income covered by the ASRS was around 15K
Does the $38 I just paid going to cover all the questions I have on this issue or am I going to fork out $38 for every question?
Welcome to Just Answer. I am here to help you resolve your tax and finance concerns. Please feel free to ask anytime you need extra help.
Based on the information you have provided you are entitled to the full deduction for your spouse's IRA contributions. The following chart is extracted from IRS Publication 590. The entirety of the publication is available at the IRS web site http://www.irs.gov/ The Publication is too lengthy to reproduce here but you should access the IRS web site,print a full copy, and show it to the auditor.
Table 1-2. Effect of Modified AGI1 on Deduction if You Are Covered by a Retirement Plan at Work
If you are covered by a retirement plan at work, use this table to determine if your modified AGI affects the amount of your deduction.
As to the cost to you per question. Once you accept an answer, your account at Just Answer is charged for the question amount. You are entitled to follow up questions, as needed, to clarify and expand as needed on those answers. Answers concerning different matters or different areas of an IRS audit are subject to the discretion of the expert although most of us are happy to continue at no additional cost to you.