<prompt> Human: For the last few years, my income has exceeded the IRS maximum for Roth IRA contributions, so I dont contribute. My fiance does not make as much money, and has been contributing regularly to her Roth IRA.We will be getting married this year, and will be filing jointly next tax season. Combined, our income is above the married couple IRS limit 194,000. Can she keep contributing until we are married, and then stop contributing afterward? Or will we need to do something to undo all the contributions she made this whole tax year?  <response>: Can she keep contributing until we are married, and then stop contributing afterward?Married as of December 31st counts as married for the whole year. So she will be ineligible for Roth IRA contributions if you are married by the end of the year and have an income above the limit. 