Thanks for sharing the elaborate context. We will consider that while planning future things.
I have certain other follow-ups: If we are filing joint returns and I am the only one who is earning can we both still invest in our individual Roths to the max of the permissible limits into individual accounts?
Let's assume hypothetically that if someone's joint income is 100K then they are allowed to invest 5K max in Roth. Let's say our income is 99.5K then can we both invest 5K each i.e. a total of $10K?
Thanks,
