To save in an IRA, you need to have earned income and be otherwise eligible.
And an IRA is a great tax-advantaged way to put money away for the future.or if eligible, to a Roth IRA even if you are collecting Social Security benefits, said Jody D’Agostini, a certified financial planner with Equitable Advisors/The Falcon Financial Group in Morristown.
D’Agostini said Social Security is not considered earned income. Neither is income from pensions, annuities or investment earnings, she said.are $6,500, or for individuals aged 50 and over, $7,500,” she said. “These amounts will now be indexed with inflation in subsequent years as per the Secure 2.0 law recently enacted.”
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