Once you start living off your investments, do you still contribute to an IRA?

[Unionville]

I have a business and have always paid a SEP IRA, ROTH and Regular IRA.  I'm trying to find out what happens once I stop my business and only live off my investments.  Do you then contribute to your IRA from your investments income?  Or are your contributions no longer allowed since you don't really have a job or business? I'm 54 in case that matters.  Perhaps there are pros/cons to both?

[ZMonet]

My understanding is that if you earn an income (not dividends or proceeds from stock sales), you can contribute to an IRA but otherwise you can't.  I wish it were otherwise as I'd love to start an IRA for my toddler.

[foobar]

You need to have eligible income (or a spouse that does). Investment income doesn't count. If you were allowed (maybe you make 5k in side jobs), doing a contribution to a ROTH is a no brainer

I have a business and have always paid a SEP IRA, ROTH and Regular IRA.  trying to find out what happens once you stop my business and only live off my investments.  Do you then contribute to your IRA from your investments income?  Or are your contributions no longer allowed since you don't really have a job or business? I'm 54 in case that matters.  Perhaps there are pros/cons to both?