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" ... 2. Contributory Roth Probably one of the best options is to contribute to a Roth IRA, given the FIFO exception. The limit is $6,000 per spouse ($7,000 if 50 or older). You may only contribute if you have earned income, although only one spouse needs earned income (so if one spouse makes at least $12,000, both can have a Roth). You can have a contributory Roth in addition to an employer savings plan. There are income limits: You are phased out of contributory Roth as your income goes above $122,000 (single) or $193,000 (married). ... "
" ... Perhaps this Venn diagram might be helpful as a way of explaining which parts of ML are contributory to AI and which parts are not: ... "
" ... Vision impairment, affecting an estimated 15% of seniors, has a similar risk profile. Experts suspect substantial underreporting of the problem and few seek treatment until the impairment is advanced. In addition to falls, untreated impairment means written health instructions, including medications labels, no matter how user-friendly, are of little value. Nationally, 50% of fatal car accidents involve those age 85+, with vision impairment being a contributory factor. The benefits of correcting this problem are exponential and extend far beyond Medicare’s bottom line. ... "
" ... What’s Kid Roth? A kid Roth is just a fun title for a parent-funded Roth contribution (to a contributory IRA or a Roth 401(k) or 403(b)) for a child. There are advantages and disadvantages to funding a kid’s Roth, and differences in the types of vehicle you might use, but in the end, you can shift a very large amount of money to the next generation, tax-free. ... "