IRAs If you're working, IRAs are perfect to use when saving for retirement.
You can choose from four types of IRAs: Traditional, Roth, Spousal and a Coverdell Education Savings Account (ESA). See which one is right for you.
Traditional IRAs
- No age limit and working, this is the option for you!
- Put in up to $7,500 a year.
- Earnings are tax deferred until they’re withdrawn.
Roth IRAs
- You must be working, and making less than $153,000 a year.
- Put in up to $7,500.
- Interest earnings are tax-free in most cases.
Spousal IRAs
- Open an IRA for a spouse who is not earning compensation.
- To open, you must plan on filing a joint tax return when it comes time to do your taxes.
- You may make an annual contribution up $15,000, with no more than $7,500 deposited into either account annually.
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