『The Spousal IRA Strategy for Non-Working Spouses in 2026』のカバーアート

The Spousal IRA Strategy for Non-Working Spouses in 2026

The Spousal IRA Strategy for Non-Working Spouses in 2026

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Episode 38 of Retirement Planning with Fexingo dives into the spousal IRA strategy, a powerful but often overlooked retirement savings tool for couples with one non-working or lower-earning spouse. Lucas and Luna explain how a non-working spouse can still contribute to an IRA based on the working spouse's income, the income limits for 2026, and how this strategy can double a couple's retirement savings tax advantage. They walk through real numbers: for a family earning $150,000, a spousal IRA contribution could save $2,200 in taxes this year alone. The episode also covers the conversion to a Roth spousal IRA and common mistakes like missing the deadline or exceeding phase-out limits. Whether you're a stay-at-home parent, a part-time worker, or a dual-income couple, this episode gives you a concrete action step to boost your retirement nest egg by tens of thousands of dollars over time. #SpousalIRA #RetirementPlanning #NonWorkingSpouse #IRAStrategy #RothIRA #TaxSavings #FexingoBusiness #Finance #PersonalFinance #RetirementSavings #CouplesFinance #IncomeLimits #StayAtHomeParent #2026TaxYear #RothConversion #IRA #FinancialLiteracy #WealthBuilding Keep every episode free: buymeacoffee.com/fexingo
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