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crryder25 t1_j2dv09i wrote

My spouse is a stay at home parent and we each have a Roth IRA and we contribute the max to each annually. 2022 max is 6,000 per account (12k)and 2023 bumps up to 6,500 (13k total)

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flowerssmellnice OP t1_j2dzs67 wrote

Do you do this manually or as some kind of direct transfer from a paycheck?

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DeluxeXL t1_j2e1b63 wrote

You should do it from the IRA provider -- have the IRA provider pull money from your checking account.

If you direct deposit into an IRA and the employer messes up the deposit, they'll also cause unnecessary tax problems for your IRA as well.

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