Spousal Roth IRA Contributions

[Mike in NH]

Does anyone have experience with this? I searched but don't really see much information on the topic here or elsewhere on the internet. Background is I left my corporate career in 2019 while DW decided to stay at her job. The last few years I made enough in random consulting jobs and part time work as a mountain guide to make my full contribution. My earnings forecast for this year has me probably falling short of the $6000. We meet all necessary requirements (household income, filing status, etc.)

My main question is this: We keep our financial accounts separate, does anyone know if the spousal contribution would have to come from an account with DW's name on it?

Fidelity wouldn't provide an answer as it falls under tax advice. It's obviously not the end of the world if I need to add her to an account, but I figured I would check here first.

[bacchi]

You file MFJ, right?

The money can come from anywhere as long as the earned income is there.

[Mike in NH]

You file MFJ, right?

The money can come from anywhere as long as the earned income is there.

Yes, we do. Appreciate the input.

[phildonnia]

You need to file jointly to use the spousal IRA.  Other than that, the only limitation is that the combined contribution of both spouses is limited by the combined earned income of both spouses. 

There are no restrictions on where the specific dollar bills come from to fund the IRA.  They do not need to come from earned income, or from one spouse or the other.  If your parents give you money, it would be perfectly fine to put in an IRA, subject to the limitation described above.