1) 不可以 2) 每人

1) Taxable的錢裏減去這些錢嗎
不可以

Roth IRA:
contributions are post-tax, but growth is tax-free.

參見: http://www.moneychimp.com/articles/rothira/rothintro.htm

2) $4000的限製是對每個人還是對每個家庭

每人

Annual contribution limits
In tax year 2005, you can make annual contributions to a Roth IRA of up to $4,000 or 100% of your earned income, whichever is less. An aggregate of $8,000 can generally be contributed per married couple ($4,000 per IRA) provided that either you or your spouse has earned income of at least that amount. Contribution limits are set according to phase out ranges of your adjusted gross income -- see table below. The $4,000 and $8,000 annual contribution limits apply to the combination of all of your Traditional and Roth IRAs.

參見: http://www.statefarm.com/lifevents/reroth.htm

所有跟帖： 

• very good advice. -小妹妹~~- ♀ (0 bytes) () 10/29/2005 postreply 12:36:12