『How a Spousal IRA Creates Retirement Security』のカバーアート

How a Spousal IRA Creates Retirement Security

How a Spousal IRA Creates Retirement Security

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Lucas and Luna explore how spousal IRAs allow non-working or lower-earning spouses to build retirement savings in their own name, leveraging the working spouse's income. They walk through the contribution limits, income thresholds, and the key difference between traditional and Roth spousal IRAs. The hosts also discuss how this strategy fits into broader estate planning by ensuring both spouses have independent assets, which can simplify inheritance and reduce tax burdens. Specific examples include a scenario where one spouse stays home to care for children and another where one spouse works part-time. Lucas breaks down the 2025 contribution limits and the phase-out ranges for Roth eligibility, emphasizing the retirement benefits even if one spouse has no earned income. #SpousalIRA #RetirementPlanning #EstatePlanning #Finance #RothIRA #TraditionalIRA #MarriedCouples #RetirementSavings #FinancialPlanning #TaxStrategy #FexingoBusiness #BusinessPodcast #WealthManagement #IRAContributions #StayAtHomeSpouse #IncomeLimits #RetirementSecurity #CatchUpContributions Keep every episode free: buymeacoffee.com/fexingo
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