I have a question that just dawned on me. Because of my income, neither I nor my wife are eligable to open a Roth IRA (bummer). What if we filed seperately, could my wife qulalify (her income @30K, mine >160k). I know there would be other tax consiquences but not sure what they'd be.You forgot that it seems to be the goverments policy to discourage marriage through higher taxes.
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