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Can stay-at-home moms open a Retirement account? The short answer is yes, they can! In fact, there is a specific type of retirement account designed for homemakers and individuals with little to no earned income called a Spousal Ira.

A Spousal IRA allows a non-working spouse to contribute to an Individual retirement account (IRA) based on the earned income of their working spouse. This means that even if a stay-at-home mom does not have any income of her own, she can still contribute to a Spousal IRA as long as her spouse has enough earned income to cover the contribution.

Contributions to a Spousal IRA are subject to the same annual limits as a traditional or Roth IRA. For the year 2021, the contribution limit is $6,000 for individuals under the age of 50, and $7,000 for those 50 and over. These contributions are tax-deductible, which means that they can lower the couple’s overall taxable income for the year.

Opening a Spousal IRA can be a great way for a stay-at-home mom to save for retirement and take advantage of the tax benefits of retirement accounts. It can also provide financial security and peace of mind for the future, especially if the working spouse’s employer does not offer a retirement plan or if the stay-at-home mom plans to return to the workforce at some point.

In addition to a Spousal IRA, there are other retirement planning options available for stay-at-home moms, such as a Solo 401(k) if they have their own small business, or a traditional or Roth IRA in their own name if they have any earned income.

Ultimately, it is important for stay-at-home moms to prioritize their retirement savings and work with a financial advisor to develop a customized retirement plan that aligns with their goals and financial situation. By taking advantage of retirement accounts like a Spousal IRA, stay-at-home moms can ensure a secure financial future for themselves and their families. So, yes, stay-at-home moms can definitely open a retirement account and start saving for their golden years.

Spousal IRA：家庭主妇也能够开设退休金账户吗？#退休规划 appeared first on Inflation Protection.