I think I have this straight, but I want to make certain that I do before making a contribution this year. Short on situation: I quit my job to go back to school, husband is working, we meet the requirements for the Roth (Income: AGI < $150,000, married, filing jointly), this is a new situation for me as this will be the first year ever that I will have not earned income.I have read the Fool retirement area/FAQ (www.fool.com/money/allaboutiras/allaboutiras.htm) and then spent the last 1/2 hour going over postings on this board to try to figure out exactly what the FAQ was trying to say regarding Spousal IRAs.The FAQ says that the Spousal IRA (S-IRA for brevity) is one of the ten types of IRAsQuestions:1) a S-IRA refers more to the funding of the IRA than anything else?2) a S-IRA can be mixed and matched with other types of IRAs? (i.e. a ROTH-IRA can be also a Spousal IRA; a traditional IRA can also be a Spousal IRA, etc.)The source of my confusion is the way the FAQ has divided up the definitions - if the 10 types of IRAs include say...Roth, S-IRA, Traditional IRA BUT these IRAs/terms cannot be used interchangably in contributions (i.e. A Roth can be a Spousal at the same time, whereas a traditional can NOT be a Roth at the same time. Or another example is that I can fund $1,000 in a Roth and $1,000 in a traditional each year, but I cannot fund a "spousal" in the same manner.)Is this making sense? Do I have the terms correct? As I was looking through the postings from the search results, there seems to be a great deal of confusion regarding the division/terminology used to describe the Spousal IRA - Can someone tell me whom to petition to re-write the area of the Retirement FAQ to re-word (in simpler terms) the "10 types of IRAs"?Thanks in advance!Jennifer
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