太谢谢了。有用。我是新手，逮住再问问

我的情况is same as your husband. 既没有traditional IRA account ,也没有Roth IRA account.不太懂你说的"I would convert his newly opened traditional IRA account into a Roth IRA account ". 你是说你不用 open a Roth IRA for your husband，就是就是把新开的 traditional IRA account 转换成 Roth IRA account ？还是说两种账户都要开，然后存税后$$$到traditional IRA，再把traditional IRA 里的 $$$ 转存到Roth IRA 账户里？

不好意思，新手，不懂。谢谢你的帮助

所有跟帖： 

• It seems to me that you can not open a Roth IRA account -autumnjune- ♀ (247 bytes) () 03/28/2016 postreply 08:13:16

• I understand that my AGI does NOT qualify me a Roth IRA contribu -稀里糊涂麻麻糊糊- ♀ (290 bytes) () 03/28/2016 postreply 09:00:55

• No. You can't open a Roth IRA account. Conversion is an alternat -autumnjune- ♀ (690 bytes) () 03/28/2016 postreply 09:57:52

• 那是可以的。IRS并不限制开Roth IRA账户，但如收入高，不能直接放入钱而已。 -易木- ♂ (235 bytes) () 03/28/2016 postreply 10:24:13

• I did the same as you did. But my understanding is that -autumnjune- ♀ (243 bytes) () 03/28/2016 postreply 10:32:20

• Well, I have been doing this with Fidelity since 2010. I just di -易木- ♂ (139 bytes) () 03/28/2016 postreply 10:46:37

• That was a conversion, which is different. -autumnjune- ♀ (0 bytes) () 03/28/2016 postreply 10:56:43

• You are so persistent:) -易木- ♂ (201 bytes) () 03/28/2016 postreply 12:00:49

• Any limit on the amount you can contribute to traditional IRA -beachlver- ♂ (83 bytes) () 03/28/2016 postreply 10:25:09

• $5500 per individual for the year 2015, assuming you are below 5 -autumnjune- ♀ (120 bytes) () 03/28/2016 postreply 10:33:40

• Thanks! Didn't expect the limit is so low, but better than none -beachlver- ♂ (169 bytes) () 03/28/2016 postreply 10:50:46

• 谢谢。看来我提前的理解有误。那就是说 -稀里糊涂麻麻糊糊- ♀ (344 bytes) () 03/28/2016 postreply 13:31:50

• Ask your broker what to do. -autumnjune- ♀ (0 bytes) () 03/28/2016 postreply 14:34:51

• IRA 与 Roth IRA -轻松生活- ♂ (533 bytes) () 04/03/2016 postreply 00:19:46