Everyone with at least $6500 in earned income can contribute $6500 per year into an IRA, regardless of high-income limits. If you make over a certain amount, th

Everyone with at least $6500 in earned income can contribute $6500 per year into an IRA, regardless of high-income limits. If you make over a certain amount, the traditional contributions are not tax-deductible. If you make even more, you can't contribute directly into a Roth IRA however EVERYONE can make after-tax contributions to their IRA and then do a "backdoor" conversion to their Roth.