H (Age 50) and W (Age 48) Are Married but Only

Multiple Choice

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