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Subject:  Re: Traditional IRA Deductibility Date:  12/14/1998  1:04 PM
Author:  TMFTaxes Number:  7126 of 123001

[[Wait, I'm confused! Which 'spouse' are we talking about in that last sentence refering to a Roth
IRA? Is it the non-working one or the breadwinner who "has to have income to contribute after tax
money to a Roth"?]]

Perhaps I misread the question, Chris. Or didn't provide the best answer that I could. Let me try again.

[[ My understanding is that a non-working spouse (AGI=0) can contribute a fully
deductible $2K to a Trad. IRA or a non-deductible $2K to a Roth (or a mix) as long as the
breadwinner makes enough to cover both spouses' contributions.]]

That's basically correct...BUT...the definition of a "non-working" spouse has been expanded to any spouse that has less than $2k of earned income. This means that even if a spouse h