Reply To: TIRA deductibility if MFJ and only one has no retirement plan

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#5287
Alan S.
Participant

That will work.
But once you reach 70.5, although the Secure Act allows you to make deductible TIRA contribution if you or spouse has earned income, you wouldn’t want to do it due to a severe anti abuse rule that states that any deductible TIRA contributions made at 70.5 or later directly offset QCDs you would make at any point thereafter.

This can be at least be partially countered by having one spouse make the deductible contributions and the other spouse distributing the QCDs. Or just make Roth contributions so your QCD potential will not be impaired.