我直接往ROTH IRA里放了6000. 用软件报税时说：
Since you contributed more than $0 (the maximum allowed) to your Roth IRA, you'll be charged a 6% penalty. However, you can avoid this penalty by withdrawing the excess contribution, plus earnings, by May 17, 2021.
我收入不到10万为何不能往ROTH里直接放钱？
ROTH IRA eligibility is based on MAGI, modified adjusted gross income. MAGI includes capital gain and salary.
So take a look at your MAGI, whether you had big capital gain last year.
You need earned income to qualify for ROTH IRA. Earned income such as salary.
Scholarships and investment income are not earned income.
Your problem is you don't have any salary.
http://pfforphds.com/fellowship-income-is-now-eligible-to-be-contributed-to-an-ira/
RA/TA are paid stipend, not a salary. Stipend are exempted from minimum wage and even employment tax.
This is why you don't accumulate social security/medicare points while being TA/RA.
我家是有salary收入的。
我理解rothIRA是税后的钱放里面， 就像税后的钱买了东西一样，和报税没关系了
“活”不一定非要在办公室，或者辅导学生，查资料，备课时间都算
我直接往ROTH IRA里放了6000. 用软件报税时说：
You have excess Roth IRA contributions.Since you contributed more than $0 (the maximum allowed) to your Roth IRA, you'll be charged a 6% penalty. However, you can avoid this penalty by withdrawing the excess contribution, plus earnings, by May 17, 2021.
我收入不到10万为何不能往ROTH里直接放钱？
ROTH IRA eligibility is based on MAGI, modified adjusted gross income. MAGI includes capital gain and salary.
So take a look at your MAGI, whether you had big capital gain last year.
You need earned income to qualify for ROTH IRA. Earned income such as salary.
Scholarships and investment income are not earned income.
Your problem is you don't have any salary.
http://pfforphds.com/fellowship-income-is-now-eligible-to-be-contributed-to-an-ira/
RA/TA are paid stipend, not a salary. Stipend are exempted from minimum wage and even employment tax.
This is why you don't accumulate social security/medicare points while being TA/RA.
我家是有salary收入的。
我理解rothIRA是税后的钱放里面， 就像税后的钱买了东西一样，和报税没关系了
“活”不一定非要在办公室，或者辅导学生，查资料，备课时间都算