I have a similar situation to the above contributor, however, I am not self employed. I retired on Dec 31, 2025 and my company is paying me some income in January 2026 for hours worked in 2025. Let's just say, my YTD gross earnings at the end of January will be $20,000. So, I will get a W-2 for 2026. I am married filing jointly and over 50 years old. I believe I can contribute $8600 for both me and my wife ($17,200 total) into each of our Roth's for 2026. Is this true? Thank you!
