H (age 50) and W (age 48) are married but only W is employed. She is not covered by a retirement plan at work. She earns $75,000 during the year and they have combined AGI of $78,000 before any IRA contribution. In 2018, the maximum amount together they may contribute to tax deductible IRAs is

A) $5,500.
B) $6,500.
C) $11,000.
D) $12,000.


D) $12,000.

Since neither is in a retirement plan at work, they may each contribute $5,500 (a nonworking spouse may contribute $5,500 per year). Since H is age 50, he may contribute an additional $1,000. [($5,500 × 2) + $1,000] = $12,000.

Business

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