Скачать или смотреть Spousal IRA Explained: Retirement Security for Stay at Home Moms

Spousal IRAs are a valuable retirement savings option for stay-at-home moms and non-working spouses. They allow a working spouse to contribute to an IRA in the non-working spouse’s name, provided the couple files a joint tax return. This strategy enables both spouses to build individual retirement savings, fostering financial independence and security. Contributions can be made to either a traditional IRA, offering tax-deferred growth, or a Roth IRA, providing tax-free withdrawals in retirement. However, eligibility for Roth IRAs is subject to income limits, and traditional IRA deductions may be limited if the working spouse participates in a workplace retirement plan. It’s important to note that the spousal IRA is owned solely by the non-working spouse, ensuring personal control over the account. 

If you are a stay-at-home mom/parent, a caregiver, or taking a pause from work, this video is for you! In this video, learn more about:
• What a Spousal IRA is and how it works
• The difference between Traditional and Roth IRAs
• Requirements for opening a Spousal IRA
• Why it’s essential for caregivers to invest in their future

💡 Don’t let caregiving pause your retirement savings! Learn how you and your spouse can maximize tax benefits and grow your financial security.

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