You can't put money into an IRA unless the primary holder of said IRA has income, and you cannot put more into said IRA than was earned by the primary holder of

You can't put money into an IRA unless the primary holder of said IRA has income, and you cannot put more into said IRA than was earned by the primary holder of the IRA. My young children earn $0 annually. I wish I could do this. 3 IRAs is cheaper than daycare by about half.