Is a Traditional or Roth IRA a better option for someone who's never had a full-time job?

Investing, IRAs
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June 2017
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You don't mention whether she is now working or where the $6500 would come from.  If she has no earned income she can't contribute to any type of IRA.  However, if she inherited a Traditional spousal IRA she may want to do annual Roth conversions up to the standard deduction & exemption limit of $10,400 (2017)  (You'll need advice from whoever does her taxes to determine the maximum amount she can convert each year.)  A substantial IRA could cause her to have taxable income at age 70.5 so it would be sweet to make it all tax free before then.  If she inherited the IRA from a parent, then Roth conversions aren't available.

June 2017
June 2017
June 2017
June 2017