I think I already know the answer to this, but just double-checking. I will only be earning about 3 or 4K this yr as a retiree part-time worker. So I can only contribute this earnings amount to my Roth. However, is it the GROSS earnings or the NET? I assume gross.... I want to be sure since I will wait until the end of the yr and contribute whatever I have earned (under the max limit of course), since I don't need it now, it will all grow tax free, and I can withdraw contributions anytime anyway. SandyBeth
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