Ask Terry Questions Roth IRA for retiree

Roth IRA for retiree

By Terry Savage on April 13, 2026 | Financial Planning / Retirement

Hello Terry,
I am 63 and retired and disabled, receiving Social Security Disabilty.
Does my Social Secirty Disability count as earned income, allowing me to contribute to a Roth IRA?

Terry Says

No, sorry. You can only contribute to an IRA out of EARNED income!

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