71651bf1_nt___IRAs___Thrivent_Financial__Roth_IRA__if_you_
[Traditional IRA, if you:] Are less than 70½ years old and not currently covered by an employer-sponsored retirement plan. [Roth IRA, if you:] 
Have a 2014 modified adjusted gross income (MAGI)5 less than: $114,000 (single filer) $181,000 (joint filer)
Individual Retirement Account | IRAs | Thrivent Financial
Roth IRA, if you: