{"id":322,"date":"2009-04-17T07:00:00","date_gmt":"2009-04-17T13:00:00","guid":{"rendered":"https:\/\/a0109a0e50.nxcli.io\/\/spousal-ira-101\/"},"modified":"2021-06-24T13:50:59","modified_gmt":"2021-06-24T19:50:59","slug":"ira-conyugal-101","status":"publish","type":"post","link":"https:\/\/www.savvyladies.org\/es\/education\/spousal-ira-101\/","title":{"rendered":"IRA conyugal 101"},"content":{"rendered":"<p>por <strong>Stacy Francis, CFP\u00ae, CDFA<\/strong><\/p>\n<p>Una mujer se me acerc\u00f3 anoche despu\u00e9s del yoga de maternidad. Me dijo que mi marido est\u00e1 entusiasmado con este ni\u00f1o y que, cuando acabe mi baja por maternidad, le gustar\u00eda quedarse en casa un par de a\u00f1os. Ya s\u00e9 que esto significa que no podr\u00e1 seguir contribuyendo a su plan 401(k), pero \u00bfhay alguna otra forma de que mantenga sus ahorros para la jubilaci\u00f3n?&nbsp;<\/p>\n<p>Una pregunta inteligente, y ella deber\u00eda darse una palmadita en el hombro por planificar con antelaci\u00f3n. Y s\u00ed, siempre que ella gane lo suficiente y que presenten una declaraci\u00f3n de la renta conjunta, \u00e9l puede contribuir a una cuenta IRA tradicional o Roth (se aplican l\u00edmites de ingresos a las cuentas Roth IRA). Incluso si la empresa de ella ofrece un plan de jubilaci\u00f3n, ella tambi\u00e9n puede contribuir a una cuenta IRA tradicional (o Roth, siempre que sus ingresos est\u00e9n por debajo de ciertos l\u00edmites). &nbsp;<\/p>\n<p>Poniendo en n\u00fameros su caso y el de su marido, cada uno puede aportar $5.000 a una cuenta IRA tradicional en 2009 ($6.000 si tienen m\u00e1s de 50 a\u00f1os), siempre que ella gane lo suficiente para cubrir las aportaciones. Si prefieren la Roth IRA, su renta bruta ajustada conjunta debe ser inferior a $176.000 (reducci\u00f3n progresiva entre $166.000 y $176.000).<\/p>\n<p>Claro como el barro, \u00bfno?<\/p>","protected":false},"excerpt":{"rendered":"<p>by Stacy Francis, CFP\u00ae, CDFA A woman approached me after maternity yoga last night. My husband is stoked about this child, she told me, and when my maternity leave is [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"give_campaign_id":0,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[1,136,85,865],"tags":[],"class_list":["post-322","post","type-post","status-publish","format-standard","hentry","category-blog","category-marriage","category-retirement","category-stacy-savvy-advice"],"acf":[],"ticketed":false,"_links":{"self":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/322","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/comments?post=322"}],"version-history":[{"count":0,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/322\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/media?parent=322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/categories?post=322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/tags?post=322"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}