Amara Okafor, CFP®
Personal Finance Educator
Amara Okafor, CFP®
Personal Finance Educator at RothIRACalculator.us
Amara is a Certified Financial Planner passionate about financial literacy and making retirement planning accessible. She specializes in contribution rules, spousal IRAs, custodial accounts for teenagers, and foundational wealth building.
Articles written by Amara Okafor (9)
Roth IRA Contribution Limits for 2026
The full breakdown of 2026 contribution limits, catch-up rules, and income phase-outs.
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.
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.
How to Open Your First Roth IRA in 10 Minutes
A simple walkthrough for opening, funding, and investing your first Roth IRA account.
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.
Earned Income Rules: Who Qualifies for a Roth IRA?
You need earned income to contribute — but what exactly counts? Here's the IRS definition.
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.
Roth IRAs for Teens: The Best Gift You Can Give
A custodial Roth IRA for a working teenager could grow into millions by retirement.
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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