Can I still contribute to a Traditional IRA after I turn 72?

Yes. The SECURE Act repealed the old age limit that used to bar Traditional IRA contributions after 70 and a half. Now, as long as you or your spouse have earned income, you can keep contributing to a Traditional or Roth IRA at any age. There's a wrinkle for Traditional IRAs, though: if you make deductible contributions after starting qualified charitable distributions, the IRS reduces the tax-free portion of your future QCDs by the amount of those deductible contributions. Roth IRA contributions carry no such interaction. Contributing in your 70s can still make sense if you're working part-time and want continued tax-advantaged growth. Confirm the earned-income requirement and QCD offset at irs.gov.