@agerbetz wrote:
Married filing separately. Is that the reason for the lower limit?
Yes. If you are living together, filing separately and your modified AGI is $10,000 or more your Roth IRA contribution is reduced.
Go to this IRS website for Roth IRA contributions - https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that...
