1) Taxable的钱里减去这些钱吗
不可以
Roth IRA:
contributions are post-tax, but growth is tax-free.
参见: http://www.moneychimp.com/articles/rothira/rothintro.htm
2) $4000的限制是对每个人还是对每个家庭
每人
Annual contribution limits
In tax year 2005, you can make annual contributions to a Roth IRA of up to $4,000 or 100% of your earned income, whichever is less. An aggregate of $8,000 can generally be contributed per married couple ($4,000 per IRA) provided that either you or your spouse has earned income of at least that amount. Contribution limits are set according to phase out ranges of your adjusted gross income -- see table below. The $4,000 and $8,000 annual contribution limits apply to the combination of all of your Traditional and Roth IRAs.
参见: http://www.statefarm.com/lifevents/reroth.htm
