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posted Jun 1, 2019 11:07:28 AM

Roth IRA contribution qualification

Last year, my fiance (now husband) contributed to his Roth IRA prior to our wedding. Our combined income disqualifies us from Roth IRA contributions. Does this disqualify my husband's contribution since it was made prior to our marriage?

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1 Replies
Level 15
Jun 1, 2019 11:07:29 AM

It doesn't matter that the contribution was made before you got married in 2018.  Your husband's Roth IRA contribution for 2018 has indeed become an excess contribution.