... so I would not open the 2004 Roth for you that presumes you will be married on 12/31/05I don't understand this comment. The 2004 Roth IRA has to qualify based on calendar year 2004, which means if one wants to qualify based on AGI and tax filing status, the AGI and tax filing status is for 2004 (Year 2004 income, marital status as of December 31, 2004), no matter when one contributes. You cannot use qualifying conditions for 2005 to be able to make a Year 2004 contribution.But if one does qualify for a Year 2004 Roth IRA contribution, one can make that contribution as late as April 15, 2005, but whatever happens in 2005 is totally unrelated to the Year 2004 qualifications.Likewise, to be able to make the Year 2005 Roth IRA contributions, one must qualify based on Year 2005, including the effect of marital status on December 31, 2005 and one's tax filing status. But if one qualifies in Year 2005, one can make a contribution any time between January 1, 2005 and April 17, 2006. (No, not a typo; April 15, 2006 is a Saturday, so the deadline is the following business day.)
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