Jordaldino t1_j2ew5u4 wrote
Reply to comment by pancak3d in Did I miss the window for a 2023 backdoor Roth contribution (without triggering the pro-rata rule)? by echo-engee
If I file jointly will a spouse’s IRA trigger the pro rata rule?
OkBox6131 t1_j2ext6u wrote
IRAs are individual retirement account. You can’t have a joint account. You only go with your own balances
pancak3d t1_j2ezuek wrote
No, your IRA balances are considered separately for pro rata. The conversion / pro rata impact is calculated on Form 8606, which begins:
"If married, file a separate form for each spouse required to file 2022 Form 8606"
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