<prompt> Human: Hello PF,I have two older sisters. Ever since I was little, my oldest sister has been there for us completely selflessly. We come from a good family, so this showed itself in her willingness to help us and make us happy. She once bought me a PlayStation with her entire savings just to make me happy!She is currently not making much money and not planning for her future. She is good with money, but is just not in that mindset right now. However, my middle sister and I are in heavy savings mode. We are both in high paying jobs and socking away around 70 of our income. We were discussing it recently and decided we would like to set up a Roth IRA for my sister together without her knowing as a surprise gift for 10 years down the line. We dont want her to think we are giving her money because she wouldnt accept it if we told her.The reason we dont just want to set aside money in a separate account owned by us is because we would like the gains to be tax advantaged upon withdrawal.Any ideas on how to do this as a surprise for her? Or is our only option to tell her about it now? We have access to my mom who knows all our personal info even though its questionably illegal to set this up without her knowledgeAlso, she doesnt live in the US so she isnt reporting any income to the US for taxes.Thanks for the help!  <response>: Also, she doesnt live in the US so she isnt reporting any income to the US for taxes.Then she nor you on her behalf is not eligible to contribute to an IRA. 