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Insights on Roth IRAs & retirement

40+ practical guides across 5 categories, written to help you make smarter retirement decisions.

All (43)Basics (8)Contributions & Limits (8)Conversions (9)Withdrawals & Rules (9)Strategy & Planning (9)
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Contributions & Limits9 min read

Roth IRA Contribution Limits for 2026

The full breakdown of 2026 contribution limits, catch-up rules, and income phase-outs.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
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Contributions & Limits9 min read

MAGI Explained: The Income Number That Decides Your Roth Eligibility

Modified Adjusted Gross Income determines if (and how much) you can contribute to a Roth.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
Downward sloping line graph with a coin at the low end
Contributions & Limits9 min read

How the Roth IRA Phase-Out Actually Works

Inside the phase-out range, you can still contribute — just a reduced amount. Here's the math.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
Two interlocking rings with a coin inside
Contributions & Limits9 min read

Spousal Roth IRA: Doubling Your Family's Tax-Free Savings

A non-working spouse can still fund a Roth IRA using the working spouse's earned income.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
Runner figure beside a tall stack of coins
Contributions & Limits9 min read

Catch-Up Contributions: A Roth Boost After Age 50

Turning 50 unlocks an extra $1,000 in annual Roth contributions. Here's how to use it.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
Round wall clock next to a small stack of coins
Contributions & Limits9 min read

The Roth IRA Contribution Deadline Most People Miss

You have until April 15 of the following year to contribute — and that flexibility is huge.

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Amara Okafor, CFP®
By Amara Okafor, CFP®
Open laptop with a coin sitting on the keyboard
Contributions & Limits9 min read

Roth Options for the Self-Employed: SEP, Solo 401(k), and More

Self-employed? You have access to far more powerful Roth options than W-2 workers.

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Sarah Jenkins, CPA
By Sarah Jenkins, CPA
Tipping jar with coins spilling out
Contributions & Limits9 min read

Oops, You Over-Contributed to Your Roth IRA — Here's the Fix

An excess contribution triggers a 6% IRS penalty per year. Fix it before the deadline.

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Sarah Jenkins, CPA
By Sarah Jenkins, CPA
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