My husband is a pastor so his W2 shows he made over $16,970 and then has $19,000 for housing allowance which does not count toward earned income, I am assuming. I am retired and have a Federal govt pension so the Roth IRA is based on his income of $16,970. We did $7500 each and got this on turbo tax.. “contributions to a Roth IRA can't be more than your combined earned income of $14,370…excess contribution of $630”. I don’t understand. We contribute every year but never had this problem.
