請問居士和檸檬 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 超過了 $240,000， after 401K max, 應該就不能再放 traditional IRA and then convert to Roth IRA? 

居士， 你這樣的收入，咋麽可以再 放 $7500 IRA？

Thank you!

 

所有跟帖： 

• 直接放Roth IRA有收入限製。TIRA轉Roth，沒有。 -矽穀居士- ♂ (0 bytes) () 01/03/2024 postreply 14:52:19

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

• 那是關於是否可放稅前還是稅後TIRA. -矽穀居士- ♂ (0 bytes) () 01/03/2024 postreply 15:12:01

• 你漏掉了關鍵段落 -虎嗅薔薇- ♀ (355 bytes) () 01/03/2024 postreply 15:14:55

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