text:  So then that allows us to move about 10 grand a year from that taxable bucket over to the tax-free bucket. And then they never realized that she could have been making retirement contributions even though she's not working based on her husband's earnings record. And so we could open up an IRA in her name, but not just any IRA. They said, well, we're making too much money to put it in a Roth. How are we going to be able to put money in a Roth IRA as we're making too much money?