@Kavekreeker wrote:
I should have mentioned its my wife's IRA. She turned 73 this year ans hasn't earned W2 wages for years. I've been contributing to her IRA and my 401k. Does this change your response?
No. Under the spousal IRA rules, you can use your compensation from work to fund your spouse's IRA, and there is likewise no age limit on contributions (the age limit was removed a couple years ago).
