I opened a Roth IRA for each me and my spouse. We each maxed it out for 2020 however have not bought any funds but. We spoke to a monetary advisor and have been instructed that if we’ll be making over 200k mixed, we won’t be able to contribute to the account. Presently we make a complete of 180k mixed. Is the information given to us from the monetary advisor appropriate? I maintain seeing individuals say that the Roth IRA is the way in which to go for everybody. Can anybody assist right here?