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They're essentially the same contribution rules which govern your Roth IRA if you're married, file a joint tax return, and both spouses earn income. The combined income of the two spouses is treated like one income, regardless of who earns it. One spouse can earn 100% of the household income or each spouse can earn 50%.
A: On its face, the answer to your question is no. You must contribute earned income to both a traditional IRA and Roth IRA. Earned income is money you generate from wages, self-employment, a partnership or even alimony.But an inheritance, or income from an inheritance, is not earned income and therefore cannot be contributed to an IRA. But you do have some options.nd you can contribute to a Roth IRA even after you turn 70 Â½ . Again, though, you must have earned income, so it might be income working part time. Remember, though, that the amount you can contribute is limited by the amount of your earned income.