If you're single, then you have to make less than 132k a year to contribute to a Roth IRA (and it begins to phase out at 117k); if you're married filing jointly

If you're single, then you have to make less than 132k a year to contribute to a Roth IRA (and it begins to phase out at 117k); if you're married filing jointly, then your combined income has to be less than 198k a year (and it begins to phase out at 184k). If you're over those limits, then the website I'm looking at says that you should look into a "backdoor Roth", which as far as I can tell means you contribute money to a traditional IRA and then roll it over into a Roth IRA. I am not a financial professional and if this is something that you are concerned about, you should probably consult one of those.