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Retirement tax questions
Contributions to a traditional IRA are based on *EARNED* income. As I understand it, you had no earned income in 2018. Therefore, your allowed contributions for 2018 was zero. Same will hold true for 2019 if you don't have any "EARNED" income during the entire tax year.
Earnings on the account are irrelevant for tax purposes, until you take a withdrawal from the account.
‎June 7, 2019
5:04 PM