You can have both a 401(k) and a Roth IRA at the same time.
If contributions are made only to Roth IRAs (no traditional IRA), your contribution limit is generally the lesser of:
- $6,500 ($7,500) if you are age 50 or older), or
- Your taxable compensation.
When filing joint return a non-working spouse can contribute to a spousal IRA.
irs.gov
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