<prompt> Human: My younger brother asked me what he should do with a few thousand dollars hes had sitting in his savings account for a few years, and I suggested opening a Roth IRA. However, the tricky part is that he probably earned less than 1,000 in 2016 through his part time job at his high school. Is it even possible for him to open a Roth and distribute more than his 2016 earned income? He is filed as a dependant under my parents, but I believe he will have a seperate tax filing than them if that even make sense?.  <response>: You can open the account but your contributions are limited by your earned income. If he earned 1000 in a year, he may only contribute 1000 for that year. 