Dwayne and Cheryl are married filing a joint return with an adjusted gross income (AGI) of $300,000. Dwayne participates in his employer's 401(k) plan, but Cheryl's small employer does not offer a retirement plan. If the 2019 Internal Revenue Service (IRS) limit for contributions to individual retirement accounts (IRAs) is $6,000, what can Cheryl do?

a-$6,000 after-tax contribution to traditional IRA

b-$0 because their AGI exceeds eligibility

c-$6,000 after-tax contribution to Roth IRA

d-$6,000 tax-deductible contribution to traditional IRA