There are no longer any age limits on making contributions to traditional IRAs. The cap of age 70½ expired after 2019. This means that those of any age who continue to have earned income (or other income treated as earned income) can contribute to a traditional IRA for 2020 and later years. There was never any age cap on a Roth IRA.
A joint tenancy in real property in the name of both husband and wife. On the death of one tenant, the survivor receives entire interest.