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Before You Say "I Do" Before you exchange vows, it’s important that you and your partner each disclose your full financial circumstances to each other. Because marriage is a legal and financial decision—the government couldn’t care less how in love you are—you need to know what risks you are...

Tax Considerations for Self-Employed Parents With an estimated 16 to 25.5 million self-employed workers in the United States,1 these deductions can impact millions of households. See which of these apply to you. Child Tax Credit (CTC) and Other Dependent Credit (ODC) You can claim a child tax...

Review Restrictions on Married Filing Separately Married filing jointly is the more common way for couples to file, and there are plenty of reasons why that is so, including access to deductions and credits. But that isn't true for every couple. Sometimes filing separately makes more sense...

The Supreme Court’s decision legalizing same-sex marriage in all 50 states in 2015 was undoubtedly a watershed moment in American society.1 It also had some major practical implications for same-sex couples, including the ability to file federal taxes using the married designation and filing...

How Your Roth IRA Contribution Limit Is Calculated The primary factors for determining your contribution limit are your filing status and modified adjusted gross income (modified AGI). Based on these two factors, you may either be eligible for the max, a reduced amount, or not eligible at all.1...

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How Roth IRAs Can Help Save for Retirement Many are at their peak earning years late in their careers. You might find you have extra money available to invest after the mortgage is paid off, and the kids have finished college. You’ll want to make the most of that money. Or, you might simply...

IRA Eligibility and Contribution Limits The contribution limits for both traditional and Roth IRAs are $6,000 per year, plus a $1,000 catch-up contribution for those 50 and older, for both tax years 2020 and 2021. You can split your contributions between the two types, but your total...

How Traditional IRA Withdrawals Are Taxed With a traditional IRA, any pre-tax contributions and all earnings are taxed at the time of withdrawal. The withdrawals are taxed as regular income (not capital gains), and the tax rate is based on your income in the year of the withdrawal.1 The idea is...

What Is a 401(k) Plan? A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. It is named after a section of the U.S. Internal Revenue Code. Workers can make contributions to their 401(k) accounts through automatic payroll...

Roth vs. Traditional IRA Roth and traditional IRAs are excellent ways to stash money away for retirement. They share the same contribution limits. For 2021, that's $6,000, or $7,000 if you're age 50 or older.2 To contribute to either, you must have earned income. That's the money you get from...