Ester, $55,$ is single. She has earned income. Her modified AGI is $$62,000.$ She is considering contributing $$6,500$ to her IRA account or Roth IRA account. All the following are correct, except:

Group of answer choices

If she is covered by a retirement plan at work for the tax year, her contribution of $$6,500$ to her traditional IRA is fully deductible.

She can split the funds between the traditional IRA account and the Roth IRA account if the total amount does not exceed $$6,500.$

She can contribute $$6,500$ to her Roth IRA account; however, it is not deductible on her tax return.

Ester plans to work until she is $75$ years old. She cannot continue to contribute to her traditional or Roth IRA if she has earned income beyond age $72.$