How Roth IRA Spousal Contributions Unlock Tax-Free Retirement

In this episode of Roth IRA with Fexingo, Lucas and Luna explore the spousal Roth IRA contribution strategy—a powerful but often overlooked rule that allows a non-working or low-earning spouse to build tax-free retirement savings based on the working spouse's income. They break down the 2026 income limits ($240,000 modified AGI for full contributions, phasing out at $250,000), explain the contribution cap ($7,000, or $8,000 for age 50+), and walk through real-world scenarios: a stay-at-home parent contributing $7,000 annually from age 30 to 65, growing to over $1 million tax-free. They also discuss how this strategy interacts with the Saver's Credit, backdoor Roth rules, and solo 401(k)s for self-employed couples. Perfect for financial planners, dual-income families, and anyone looking to maximize family retirement savings. #RothIRA #SpousalContributions #TaxFreeRetirement #RetirementPlanning #Finance #FexingoBusiness #BusinessPodcast #IRA #SavingsStrategy #InvestmentTips #2026TaxRules #MarriedFilingJointly #IRARules #CompoundInterest #SaversCredit #BackdoorRoth #Solo401k #FinancialPlanning Keep every episode free: buymeacoffee.com/fexingo