请问居士和柠檬 Traditional IRA and income limit

IRS publication says:

• For married couples filing jointly, if the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is increased to between $123,000 and $143,000, up from between $116,000 and $136,000.
• For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the phase-out range is increased to between $230,000 and $240,000, up from between $218,000 and $228,000.

那如果income 超过了 $240,000， after 401K max, 应该就不能再放 traditional IRA and then convert to Roth IRA? 

居士， 你这样的收入，咋么可以再 放 $7500 IRA？

Thank you!

 

所有跟帖： 

• 直接放Roth IRA有收入限制。TIRA转Roth，没有。 -硅谷居士- ♂ (0 bytes) () 01/03/2024 postreply 14:52:19

• 可是IRS online 说 traditional IRA 有 income limit -PAreader- ♂ (63 bytes) () 01/03/2024 postreply 15:08:29

• 那是关于是否可放税前还是税后TIRA. -硅谷居士- ♂ (0 bytes) () 01/03/2024 postreply 15:12:01

• 你漏掉了关键段落 -虎嗅蔷薇- ♀ (355 bytes) () 01/03/2024 postreply 15:14:55

• 谢谢， 如您所言是用after tax IRA money, convert to Roth IRA -PAreader- ♂ (122 bytes) () 01/03/2024 postreply 15:39:05