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Can I Contribute to My Roth IRA?

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A Roth IRA is a great option for individuals looking to save after-tax dollars, offering the opportunity for tax-free growth and relaxed distribution rules. Unfortunately, eligibility to contribute to a Roth IRA is subject to restrictions, which can cause confusion.


This flowchart addresses the key eligibility considerations, including:


  • Earned income
  • Other (traditional) IRA contributions
  • Filing status-based MAGI thresholds

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