No, as far as I know.

I called fidelity and was told that 18 year old for open retirement account.

For IRA, only "earned income" can be used, ths answered your 3rd question.

For your first 2 questions, my understanding is that they are no issue.

所有跟帖： 

• 回复：No, as far as I know. -Morning3evening4- ♂ (6082 bytes) () 08/07/2012 postreply 18:30:57

• 要earned income，那就泡汤了。 -R&D- ♀ (0 bytes) () 08/07/2012 postreply 19:39:40

• 不需要18岁的，你搞错了 -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 20:22:30