I*0
10 楼
Are You Eligible?
First things first. There are income eligibility limits, so if you make too
much money, you can’t contribute to a Roth IRA. But with a median household
income of about $50,000, most Americans qualify for Roth IRA contributions.
(If your income is too high, you can convert some or all of the assets in
your traditional IRA to a Roth IRA, but you’ll have to pay taxes on the
entire amount you convert. For details, see more on Roth IRA conversions).
For 2015, you can contribute the maximum $5,500 to a Roth IRA ($6,500 if you
are age 50 or older by the end of the year) if you are single or the single
head of a household and your modified adjusted gross income (MAGI) is less
than $164,000. Or, if you are married filing jointly, you can contribute the
maximum amount to a Roth IRA if your income is less than $183,000. You may
make a partial contribution to a Roth IRA if you are single and your income
is between $116,000 and $131,000 or if you are married filing jointly and
your income is between $183,000 and $193,000. You can’t contribute to a
Roth IRA if your income is above those levels. (Special rules apply to
married couples who live together at any time during the year but who file
separate tax returns. Neither can contribute to a Roth IRA if their income
exceeds $10,000.)
【在 k*****a 的大作中提到】
: 人生赢家啊,ROTH IRA好东西啊,大多数人都不QUALIFY的。
First things first. There are income eligibility limits, so if you make too
much money, you can’t contribute to a Roth IRA. But with a median household
income of about $50,000, most Americans qualify for Roth IRA contributions.
(If your income is too high, you can convert some or all of the assets in
your traditional IRA to a Roth IRA, but you’ll have to pay taxes on the
entire amount you convert. For details, see more on Roth IRA conversions).
For 2015, you can contribute the maximum $5,500 to a Roth IRA ($6,500 if you
are age 50 or older by the end of the year) if you are single or the single
head of a household and your modified adjusted gross income (MAGI) is less
than $164,000. Or, if you are married filing jointly, you can contribute the
maximum amount to a Roth IRA if your income is less than $183,000. You may
make a partial contribution to a Roth IRA if you are single and your income
is between $116,000 and $131,000 or if you are married filing jointly and
your income is between $183,000 and $193,000. You can’t contribute to a
Roth IRA if your income is above those levels. (Special rules apply to
married couples who live together at any time during the year but who file
separate tax returns. Neither can contribute to a Roth IRA if their income
exceeds $10,000.)
【在 k*****a 的大作中提到】
: 人生赢家啊,ROTH IRA好东西啊,大多数人都不QUALIFY的。
k*a
11 楼
I believe most people of this board are not eligible for ROTH (20 years ago
i
was able to save some ROTH). $193K is not enough for the "poverty" bar in
some area.
Some people is so happy that his house price appreciate by only 10W last
month. His house is not at all impressive that only ran up that much.
too
household
contributions.
you
single
less
【在 I*0 的大作中提到】
: Are You Eligible?
: First things first. There are income eligibility limits, so if you make too
: much money, you can’t contribute to a Roth IRA. But with a median household
: income of about $50,000, most Americans qualify for Roth IRA contributions.
: (If your income is too high, you can convert some or all of the assets in
: your traditional IRA to a Roth IRA, but you’ll have to pay taxes on the
: entire amount you convert. For details, see more on Roth IRA conversions).
: For 2015, you can contribute the maximum $5,500 to a Roth IRA ($6,500 if you
: are age 50 or older by the end of the year) if you are single or the single
: head of a household and your modified adjusted gross income (MAGI) is less
i
was able to save some ROTH). $193K is not enough for the "poverty" bar in
some area.
Some people is so happy that his house price appreciate by only 10W last
month. His house is not at all impressive that only ran up that much.
too
household
contributions.
you
single
less
【在 I*0 的大作中提到】
: Are You Eligible?
: First things first. There are income eligibility limits, so if you make too
: much money, you can’t contribute to a Roth IRA. But with a median household
: income of about $50,000, most Americans qualify for Roth IRA contributions.
: (If your income is too high, you can convert some or all of the assets in
: your traditional IRA to a Roth IRA, but you’ll have to pay taxes on the
: entire amount you convert. For details, see more on Roth IRA conversions).
: For 2015, you can contribute the maximum $5,500 to a Roth IRA ($6,500 if you
: are age 50 or older by the end of the year) if you are single or the single
: head of a household and your modified adjusted gross income (MAGI) is less
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