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I am getting married later this month (September) and was shocked to learn that married individuals filing separately cannot contribute to a Roth IRA if either has an adjusted gross income (AGI) greater than $10,000! Does anyone know if I can contribute some portion of the allowed annual contribution amount (having been UNmarried for nearly 9 months of the 2003 tax year)? I've always taken advantage of this (Roth IRA) great tax benefit. I've been aware of the "marriage penalty" but never looked into it in any detail before. Ouch! I know we have the option of filing jointly, but I'd hoped to avoid that since my wife-to-be is not a good record keeper. I'd rather not go there <g>.
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