3. There’s a third rule of Roth IRA contributions: Anyone who has earned income — even a child — can open an IRA, but you can’t contribute more than you earned. So if your income is only $1,500 in a given year, then $1,500 is the most you can contribute. In other words, the maximum you can contribute is the lower of your earned income or $7,500 ($8,600 if 50+), in 2026.The second rule of Roth IRA contributions is that there’s a limit to how much you can contribute, and the maximum amount depends on your age ...

Retirement Account - A required minimum distribution (RMD) is a specific amount of money that must be withdrawn annually from a tax-deferred retirement account starting at age 73 [1]

Investment Opportunity - Suggests taking the 2025 required minimum distribution early and investing in a 4.60% CD [1] Market Trend - Anticipates the Federal Reserve will cut interest rates this fall [1]