How do I fix an excess contribution to ROTH IRA for my spouse?

[lkeener]

In 2022 my wife contributed $7,000 to a ROTH IRA, but she only earned $6,000. How do I fix that?

[dmertz · Accepted solution]

Did you file Married Filing Jointly and you had more than $6,000 of compensation?  If so, and the total IRA contributions between you and your spouse did not exceed the total compensation between the two of you, the contribution is a permissible spousal contribution (subject to the MAGI limitations on the eligibility to make a Roth IRA contribution).

[lkeener]

Thank you. That is good to know. Yes, my income is more than the combined limits for both of us.

[dmertz]

To be clear, only compensation from working counts, not other income.