Charmaine and Neville are married and file their taxes jointly. Charmaine is a CFO who earns $165,000 per year and is an active participant in her employers qualified plan. She also has consulting income of $15,000 per year. Neville is a racecar driver with no taxable income. Can Neville contribute to a traditional IRA and is it deductible?

Group of answer choices

Neville can make a contribution to a Roth IRA.

Neville can make a spousal contribution to a traditional IRA but it is not deductible.

Neville can make a spousal contribution to a traditional IRA and it is deductible.

Neville cannot make a contribution to a traditional IRA.