我查了一下，感觉这个roth ira 没有401k/403b的区分。

traditional ira（两口子都在各自工作单位有401k/403b）。

• A full deduction is available if your modified AGI is $105,000 or less for 2021 ($104,000 for 2020).
• A partial deduction is available for incomes between $105,000 and $125,000 for 2021 ($104,000 and $124,000 for 2020).
• No deduction is available for incomes greater than $125,000 for 2021 ($124,000 for 2020)                                        
•  
• 但roth ira好像不论你是否有401k/403b，Married couples who file jointly can contribute the max if they earn $198,000 or less for 2021 ($196,000 for 2020). 所以这两个ira的收入限制对有401k/403b的夫妇还是不一样的。

所有跟帖： 

• 对的呀，前面就是说了两者的区别 -攀攀妈的房产经- ♀ (343 bytes) () 08/20/2021 postreply 10:33:45

• 解释的太好了，非常感谢！ -yezi-us- ♀ (0 bytes) () 08/20/2021 postreply 11:44:47

• 概念混乱，IRA和ROTH和４０１，４０３b 一点关系也没有，完全是两回事啊。 -Tendy- ♂ (0 bytes) () 08/21/2021 postreply 09:07:06