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I didn't know that. I searched the Internet, but could not find anything preventing this.

That's probably because you searched for what is not allowed instead of what *is* allowed. The IRS rules tell you what you can/must do. They don't list all the millions of other things that you are forbidden from doing.


If your spouse is non-working, under the age of 70 1/2, and your combined income is below the joint AGI limit, what stops your spouse from making a contribution into an IRA or Roth IRA?

Not all income qualifies for IRA contribution.
Your total IRA/ROTH contributions are limited to your joint wages (W-2 income). Not all income qualifies for IRA contribution. The money you withdraw from an IRA -- including an RMD withdrawal -- is not wages, so it doesn't count.

This is quite clearly set out in the IRS publications. So I don't understand your comment about "could not find anything preventing this." https://www.irs.gov/publications/p590a#en_US_2017_publink100... Table 1-1.



BTW, there is nothing magic about RMDs. The RMD is like its name says, Required Minimum Distribution (withdrawal). It is just a withdrawal. And as a side note, only the amount of your withdrawal above the RMD can be converted to a ROTH.

And note that the "I" in "IRA" stands for "Individual". Which means that any RMD or Roth conversion must be for each spouse and cannot be merged or mixed. You can't convert money from your IRA into your spouse's Roth.
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