<<<<By further explanation, The Ira my WH (wonderful husband) holds has been "frozen" for 4yrs. i.e. he has not been able to contribute to it as he had no earned income.>>>>If you had earned income, then I believe your husband could have contributed to his IRA as a spousal IRA. At one time spousal IRAs were limited to $250, but it has been $2000 for awhile now. I am sure that the resident pros will be able to tell us the tax year it changed.Just my $0.02. Regards, JAFO
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