Who can contribute to a Traditional IRA?
You can open and contribute to a Traditional IRA if you (or, if you file a joint return, your spouse) received taxable compensation during the year, and were not age 70½ by the end of the year.
You can have a Traditional IRA even if you are covered by another retirement plan. You may not be able to deduct all of your contributions if you or your spouse is covered by an employer retirement plan. You and your spouse cannot have a joint IRA.