Hello,
Great forum, love all the information.
Question about IRA eligibility. I am married, and this year our combined income will more than likely be very close to the max amount before being ineligible to contribute to a Roth IRA.
I am in sales and most of my income comes from commission. If I have a big three months to end the year, how do I know I can't contribute? If I have maxed out my Roth, and wife's, before the end of the year, what happens to that money if I go over the limit?
I appreciate the advice.