You can do what you please with your money and one of your choices is to put it in an ira or not. If you've decided to put it in a specially tax advantaged shel

You can do what you please with your money and one of your choices is to put it in an ira or not. If you've decided to put it in a specially tax advantaged shelter defined by the government then you follow the rules they define for that status, if you don't want to then you don't put it in an ira