My accoutant says I made to much money to contribute to mime and my wifes roth ira's but he only has "gross income' figures.
I was trying to research "rothira.com" but couldn't find anything specific as to whether the the formula is based on "gross" or adjusted gross, agi" for the prupose of making contributions. I have large business loss that I feel will lower my personal income several thousand dollars so I need to find out what the cutoff is?