Thank you for such a quick response. Conserning my first?, I need to state it more clearly: I understand that I can only fund 2K per yr in Roth & that it is non-deductable. 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. He recently (1 Jan) became employed part-time, will earn approx. 7K this year, and my ? is: If we roll this current Ira into a Roth ( or even if we leave it alone) can he contribute to IT? Or do we have to leave that as it is and open a new Roth for his new contribution ? (clear as mud, huh?) thanks for your patience with these 'foolish' questions! Mayoress
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