【美国中学生】学理财

今年当别人家的娃去上数理化竞赛SAT ACT 补习班的时候，娃周末去打工挣了一点钱。前天带他去银行去开了一个custodian 账号（18岁以前必须父母当监护人），放了1000元在Roth IRA里，今天买了10股VOOV。从此就坐等50年后值多少。

同时教育娃：Roth IRA以后上学要用可以提前取，没有罚款没有税。他似懂非懂，俺好歹将理财的种子种下了，以后发不发芽咱就管不着喽，看娃的造化啦。

下面是有关Roth IRA的限制：

1. 没有年龄限制

2. 收入最高不能超过13万（个人）或19万（夫妇）

3. 只能用earned income. 

The first Roth IRA eligibility consideration is income. You must earn money to open any IRA. That means, if your only income is from unearned sources, such as investments, you cannot contribute to an IRA. You must get paid wages, a salary, tips, professional fees or bonuses.

And you can't put more money than you make in any IRA. So if your income is only $1,500, then $1,500 is the most you can contribute to a Roth.

There is an exception that allows Roth accounts for nonworking spouses. If you and your spouse file a joint return but one does not work, the employed spouse can open and contribute to a Roth IRA for the unemployed partner.