If an individual is ineligible to make a deductible contribution to a traditional IRA,nondeductible contributions can be made to a traditional IRA.

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Quizplus · Accepted Answer

This is true. Even if an individual is ineligible to make a deductible contribution to a traditional IRA (due to income or other limitations), they can still make nondeductible contributions to the traditional IRA. However, the nondeductible contributions will not be eligible for a tax deduction.

If an Individual Is Ineligible to Make a Deductible Contribution