一直以来，只是把公司MATCH的401放满，今年想开个ROTH IRA账户，两个问题向大家请教：1， 符合开ROTH IRA的要求吗？2，能放多少钱到这个户头？
ChatGPT 回答如下：
The IRA (Individual Retirement Account) contribution limit for 2025 is:
- $6,500 per year for individuals under age 50.
- $7,500 per year for individuals age 50 and older, thanks to the catch-up contribution.
These limits apply to both Traditional and Roth IRAs combined. If you’re contributing to both, the total across both accounts can't exceed the annual limit.
Yes, you can still contribute to an IRA even if you're contributing to a 401(k) through your employer! However, whether you can deduct your Traditional IRA contribution on your taxes depends on your income and whether you or your spouse are covered by a retirement plan at work (like a 401(k)).
Here’s a breakdown:
1. Traditional IRA:
- If you're covered by a 401(k) at work: The ability to deduct your contribution to a Traditional IRA may be limited based on your income. For 2025, if you’re a single filer and your modified adjusted gross income (MAGI) is:
- $73,000 or less: You can deduct the full amount.
- Between $73,000 and $83,000: The deduction is phased out.
- Above $83,000: You can't deduct your contributions.
- If you're married and your spouse has a 401(k), similar income limits apply.
2. Roth IRA:
- You can contribute to a Roth IRA regardless of whether you have a 401(k), but your contribution eligibility also depends on your income. For 2025:
- Single filer: You can contribute if your MAGI is below $153,000 (phased out between $153,000 and $168,000).
- Married, filing jointly: You can contribute if your MAGI is below $228,000 (phased out between $228,000 and $243,000).
根据Chat GPT的说法，If Married, filling jointhly, MAGI below $228,000 and full contribution to 401K, 应该可以开户并放入$7,500. 请大家帮忙核实。谢谢！
