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I'm confused re recent changes in Roth IRAs, I just changed jobs, went from an employer sponsored 403(b) to no employer plan at all. My total annual income is below 100K. Can I contribute 2K (or more) in tax year 1999 to my Roth? I'm married filing jointly, my spouse just left employment, from a 403(b) to nothing. Can I set up a Roth for her as well, and contribute 2K to it, in addition to the 2K to mine. Does the amount that we've already contributed through our employer sponsored plans in 1999,limit the amount we can contribute to the Roth(s)?
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