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Retirement tax questions
If your income is too high then your contribution is limited.
If you are Married Filing Joint and your income is less that $193,000 the you are allowed to contribute the full $6000 if your income is between $193,000 to $203,000 then your contribution is limited and above the $203,000 you may not make a contribution to a Roth IRA directly.
With the level of income that you have she is not eligible to contribute to a Traditional IRA account. The income limits in contributing to a Roth or a regular IRA account are based on the Married Filing Joint Income.
You can work around this for both of either one of you by contributing to a Traditional IRA and the converting it to a Roth IRA during the same year. This is called a Back Door Roth IRA and by passes the income limits placed on contributing to a Roth IRA directly.
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