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You must have "taxable compensation" to contribute to an IRA.  Not all taxable compensations is earned income. 

 

See IRS Pub 590A "What is Compensation"?

https://www.irs.gov/publications/p590a#en_US_2019_publink1000230355

 

"Scholarship and fellowship payments are compensation for IRA purposes only if shown in box 1 of Form W-2."

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**