I'm befuddled. For the 2020 year I will have made too much to contribute to a Roth IRA directly. Easy, I completed a backdoor a couple months ago. My fiance makes below the income limit to contribute so we were planning on contributing directly to her Roth IRA before the year ended. Now I get confused. How does this work for her direct IRA contribution in 2020 if we then get legally married before 2020 ends and decide to file jointly if our income combined is above direct contribution limits? Should we do a backdoor IRA instead? If so, does the date of the marriage in relation to the Roth contribution(wether direct or indirect) matter if you plan on filing jointly? please advise. Thank you.
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Originally posted by billy View Posteven if you get married on dec 30, you will count as married for the whole year. If there is any question, just do the backdoor, its only one extra step.
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Originally posted by TravisRADMD View Post
Ok, I like that answer. However, are there any consequence of doing the Roth contribution indirectly if we don't pull the trigger this year? One thing we noticed are that the county offices are heavily booked at moment because of the elimination of walk-in appointments.
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