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Getting married-start two Roth IRA's now or wait to start one.


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Posted

I'm gettng married soon. I understand that married couples can only contribute $3000.00 jointly. Would it be wise to each start one now and would this allow us to continue to contribute $2000.00 each after we get married or does anyone know how this works? Thanks...

Posted

The way it works is that each of you can put $2K into a Roth (assuming there is at least $4K of earned income on the joint return). There is NO $3K limit for married taxpayers. Don't know where you heard this one, it's a new one on me. And totally false.

Barry Picker, CPA/PFS, CFP

New York, NY

www.BPickerCPA.com

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