What's Cooler Than $6,000 Going Into a Roth IRA?

Even if you don't have an earned income, even if you're not out there working generating income outside of the household, you can still do what's called a spousal IRA. So long as your spouse makes over $12,000 a year, he or she can fund an IRA and then you can also fund an IRA. The compounding growth is going to make this exponentially bigger where eventually down the road, we could have an estate planning issue. Next question: Is it a problem to utilize 0% credit cards as a short term loan?