As I understand it for 2019 the income limits for a Traditional IRA (to receive max deduction) for someone filing MFJ is: $103k (AGI)

However, if my spouse does not have access to a 401k (she stays at home and does some personal training on the side) then the income limit for MFJ is $193k (AGI)

So does this mean that I can contribute to a Traditional IRA for:

1) Her only?
2) Her and I?

I get confused on this stuff without actual examples. What can I do?

For additional perspective, my AGI (MFJ) will be over $103k but less than $193k.