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I have been trying to find an example about marriage penalty.
This is the one (please correct me if I am wrong).

The contribution to Roth IRA is subject to the AGI limit, whihc is $100,000 for a single. But the limit for the married people filing jointly is also $100,000. Therefore, two unmarried people with the same salary, say, $55,000/per year can contribute to Roth IRA. But if they are married, then nobody can contributed to Roth IRA.

I also have an naive question:
If I have two regular IRA accounts at different brokers. How can I consolidate them without penalty?

Thanks for sharing.

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