welcome
SmartAsset

SmartAsset

Business

Business & Economics

How Can I Move Money to a Roth IRA in Retirement If I'm Not Earning Income?

SmartAsset
Summary
Nutrition label

81% Informative

There is a lot of nuance to the rules surrounding Roth IRAs.

While you need earned income to contribute to a Roth IRA directly, earned income isn’t required to convert a pre-tax account.

For tax year 2025, the Roth IRA contribution limit is $ 7,000 for those under 50 .

There are no limits whatsoever on Roth conversions.

SmartAsset AMP helps advisors connect with leads and offers marketing automation solutions so you can spend more time making Roth conversions.

An emergency fund should be liquid -- in an account that isn't at risk of significant fluctuation like the stock market.

A high-interest account allows you to earn compound interest.