How Roth IRA Spousal Rules Let Non-Working Spouses Save

Episode 19 of Roth IRA with Fexingo breaks down the spousal IRA rule — a little-known provision that lets a non-working or lower-earning spouse contribute to a Roth IRA based on the working spouse's income. Lucas and Luna walk through the 2026 income limits, the earned-income requirement trap, and a real-world example: a married couple where one partner takes a career break to raise kids. They explain how the rule works, who qualifies, and why failing to file a joint tax return can cost you the contribution. Also covered: how the spousal Roth interacts with the Backdoor Roth, and why high-earning couples should still consider a conversion ladder. No fluff — just the numbers and strategy. #RothIRA #SpousalIRA #RetirementPlanning #MarriedCouples #TaxStrategy #Finance #FexingoBusiness #BusinessPodcast #IRA #RothContribution #IncomeLimits #BackdoorRoth #ConversionLadder #NonWorkingSpouse #StayAtHomeParent #JointTaxReturn #EarnedIncome #RetirementSavings Keep every episode free: buymeacoffee.com/fexingo