topic Re: Roth in Investing

Roth

Nessie10 — Sat, 21 Mar 2026 00:02:48 GMT

In 2025 I had 30,000 in earned income my husband was retired and had no income.

We are filing married jointly based on our age we can contribute 8,000 into a Roth.

Question is can I do a spousal Roth 8,000 for my husband and another 8,000 for myself. Can I do both or just one for a total of 16,000?

Re: Roth

Bsch4477 — Sat, 21 Mar 2026 04:07:58 GMT

If both of you are over age 50 each of you can contribute $8,000 to your Roth IRA.

Re: Roth

AnnetteB6 — Sat, 21 Mar 2026 12:26:54 GMT

To answer the second part of your question, you cannot make a single contribution of $16,000 to your Roth IRA. That would be an excess contribution since the limit is $8000 per person per year to either a Traditional IRA or Roth IRA or a combination of the two.

@Nessie10