Reply To: Roth contribution for non-working spouse

Home Fairmark Forum Retirement Savings and Benefits Roth contribution for non-working spouse Reply To: Roth contribution for non-working spouse

#1516
Kaye Thomas
Moderator

Most of what you’ve read is misleading or incorrect. We have a page explaining this topic:

Spousal Roth IRA

Key points:

  • There really isn’t any such thing as a spousal IRA. This is just a term that’s sometimes used when relying on a spouse’s earned income to qualify for the contribution. The contribution can go to an existing IRA to which other contributions have been made.
  • There is no requirement for the contribution to come from the worker.