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Anyone know what the IRS's reasoning is on the $10,000 max AGI for people married filing separately? What about people who are in the process of separating or divorcing, why should they be cut out of contributing to a Roth IRA while they get their personal lives together?

Most rules have a reason behind them, although people disagree on the validity. I can't figure this one out. And whatever the reason is, why allow $10,000 at all? One would think that the reason must be really compelling, and if it's that compelling, then let's just eliminate the Roth IRA for them entirely.

Anybody know the history behind this oddball rule?
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