Yes, a person under 18 can contribute to a Roth IRA or a traditional IRA as long as they meet earned income requirements and do not exceed income limits. A spousal IRA is an IRA open to a spouse with no income of their own, usually by providing unpaid work to their household. However, you can still contribute to a Roth IRA and make cumulative contributions to a Roth or traditional IRA, regardless of your age. This can happen when you exceed the IRA contribution limit or improperly transfer a 401 (k) to an IRA.
If you make too much money, you may still be able to contribute to a Roth IRA through a strategy called a clandestine Roth IRA.
