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Suze: November 27th 2022. Welcome everybody, Suze O here... to the Women

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Suze: and Money Podcast as well as everybody smart enough to listen. Well,

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Suze: how was it? Did you get through Thanksgiving? Did you

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Suze: try my stuffing?

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Suze: You have to admit my stuffing is the greatest stuffing

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Suze: you will ever eat. I really believe that. And for

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Suze: those of you who missed out on my stuffing recipe,

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Suze: it was on the Women and Money app, which all

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Suze: of you by the way, should absolutely be downloading by

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Suze: going to Google play or Apple app. Search for Women

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Suze: and Money or Suze Orman, Up comes the app, it's

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Suze: free download it.

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Suze: The reason you should download it and go to it

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Suze: is because, it is there that I'm now going to

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Suze: start giving updates on what I think is happening in

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Suze: the stock market or if I want you to know

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Suze: something right away and it's in between podcast days, that's

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Suze: number one. Number two, it is there

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Suze: that not only that you can ask a question, you

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Suze: could search past podcasts, but if you go there under

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Suze: Suze Shop,

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Suze: if you purchase one of those items that maybe you want,

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Suze: these are books programs, all kinds of things, you get

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Suze: a 50% discount than anywhere else. If you were to

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Suze: buy them. All right, everybody. Okay

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Suze: Suze School today...

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Suze: I want to talk about two things. The changes in

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Suze: the contribution limits to your IRAs and your employer sponsored

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Suze: plans as well as the changes in modified adjusted gross

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Suze: income limits to qualify for a ROTH IRA for the

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Suze: year 2023.

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Suze: So are we ready? Is your little Suze notebook out because

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Suze: you are seriously going to need to take notes on

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Suze: this one. There are a lot of numbers here so

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Suze: get ready to write them down.

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Suze: Alright first let's talk about the changes in the contribution

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Suze: limits to an IRA, A ROTH IRA, and an employer

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Suze: sponsored plan which would be a 401k, A 403b, a T. S. P.

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Suze: Let's talk about the contribution limits for 2023

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Suze: And what they are going to be in 2023.

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Suze: If you are under 50 years of age you are

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Suze: going to be able to put $6500 in a traditional

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Suze: IRA or a ROTH IRA and that is up from

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Suze: $6000 this year. Okay everybody next, if you are 50

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Suze: or older

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Suze: In the year 2023 which is just a few days

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Suze: from now, you're going to be able to put $7500

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Suze: into a ROTH or traditional IRA and that is up

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Suze: from $7,000 this year.

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Suze: Now remember you have until April 17 of next year

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Suze: and that is because April 15 falls on a Saturday

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Suze: but you have till April 17 of next year

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Suze: to open and fund a ROTH for 2022. So you

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Suze: don't have to do any of this right away. Everybody,

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Suze: you absolutely can wait if you want until April 17

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Suze: of next year.

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Suze: You also if you want, can open up your ROTH

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Suze: IRA any time next year for 2023. So you actually

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Suze: could fund both if you wanted to in 2023.

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Suze: Those are the limits that you now need to know

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Suze: for a ROTH which is after tax contributions or traditional,

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Suze: which is pre tax contributions for your IRAs . Now,

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Suze: what is important is that you need to understand that

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Suze: if you open up a traditional IRA, you open up

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Suze: also a ROTH IRA,

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Suze: the most that you can put in between the two

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Suze: of them is $7,000 this year. If you're over 50

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Suze: actually $6,000, if you're under 50. Or next year. Like

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Suze: I said it will be 6500 and 7500 the most you

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Suze: can put in,

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Suze: you cannot put in for instance this year 7000 in

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Suze: a traditional IRA if you're 50 or over and $7000

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Suze: in a ROTH IRA you can't do that, it's a combination

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Suze: of both. If you want to combine both. Okay

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Suze: next let's talk about the contribution limits for employer sponsored

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Suze: retirement plans such as 401ks, 403bs and T. S. P.s.

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Suze: The maximum next year, if you are under 50 is

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Suze: $22,500

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Suze: And that's up from $20,500 this year

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Suze: Next year. If you are 50 or older,

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Suze: the maximum that you can put in is $30,000. So

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Suze: there's a $7500 catch up there. So $30,000

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Suze: Which is up from $27,000 maximum this year.

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Suze: Now

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Suze: there are other changes that will affect you. But I

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Suze: just want to talk about these increases for a second,

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Suze: who is really going to be able to benefit from

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Suze: those increases because that's a lot of money to put

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Suze: $30,000 max into a 401k. If you're 50 or older

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Suze: or to put $7500 in a traditional or a ROTH IRA

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Suze: if you're 50 or older starting next year

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Suze: probably people who already have a whole lot of money

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Suze: to tell you the truth.

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Suze: So a lot of these changes which I find very

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Suze: sad by the way really benefit those who are earning

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Suze: more money.

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Suze: So that doesn't mean however if you're earning less money

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Suze: that you just shouldn't participate, you should still try to

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Suze: put as much money especially into a ROTH whether it's

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Suze: a ROTH at your employer's or your own ROTH IRA .

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Suze: And by the way you can have both, you can

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Suze: max out a ROTH 401k. As well as a ROTH IRA.

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Suze: So you could essentially, if you were 50 or older

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Suze: you could put in a ROTH $37,500 7500 in your ROTH IRA.

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Suze: 30,000 in your ROTH case or a combination there that's

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Suze: a lot of money.

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Suze: But for those of you who are lower wage earners

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Suze: doesn't mean that you can't try to put as much

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Suze: money in as possible.

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Suze: The next change is about the modified adjusted gross income

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Suze: limits for a ROTH all of you are aware that

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Suze: a ROTH IRA, remember there are no income limits to do

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Suze: a ROTH 401k, 403b, or T. S. P.

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Suze: There are modified adjusted gross income limits to do a

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Suze: contributory ROTH that is where you every year contribute money

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Suze: to a ROTH IRA and we just went over what those

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Suze: maximum contribution limits are

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Suze: there is no income limit at all to convert

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Suze: from a traditional IRA to a ROTH IRA, there are only

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Suze: income limits that we're talking about right now is to

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Suze: qualify for a contributory ROTH IRA the amounts are as follows

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Suze: if you are single

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Suze: and you want to qualify for the maximum contribution into

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Suze: a ROTH IRA which we already have said

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Suze: at least for this year is $6000, if you're under 50. $7000,

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Suze: if you are 50 or older next year it will

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Suze: be $6500 if you're under 50. $7500, if you are

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Suze: 50 or older. If you want to be able to

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Suze: contribute those amounts

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Suze: for next year for instance,

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Suze: The modified adjusted gross income for 2023 increased to $138,000

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Suze: from $129,000 this year. If you are married finally jointly

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Suze: and want to contribute the max

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Suze: Then for 2023

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Suze: the modified adjusted gross income is at $218,000 and that's

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Suze: up from $204,000 this year.

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Suze: Now what's interesting about that is for some reason,

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Suze: all of you think once you make more than those

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Suze: amounts that I just said a modified adjusted gross income

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Suze: that you don't really qualify anymore for a ROTH

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Suze: and that is not true,

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Suze: you still can qualify for a ROTH

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Suze: but maybe not be allowed to put in the maximum

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Suze: amount that is allowed, which again is 6 to $7000

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Suze: depending on age this year, 6500 to $7500 depending on

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Suze: age next year.

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Suze: However, if you were to make over those amounts

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Suze: you still can contribute

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Suze: but the amount you can contribute, as I just said

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Suze: will go down and once you earn over a specific

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Suze: amount of money you no longer can contribute at all.

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Suze: So these are numbers now that you need to write

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Suze: down if you are single

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Suze: In the year 2023,

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Suze: once you make over $153,000 a modified adjusted gross income,

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Suze: you no longer qualify for a ROTH IRA . That is

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Suze: up from 144,000 modified adjusted gross income this year. If

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Suze: you are married finally jointly,

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Suze: If you make over $228,000 a modified adjusted gross income

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Suze: in 2023, you no longer qualify for a ROTH IRA but

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Suze: that's up from 214,000 this year.

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Suze: Again, if you are married finally single, you cannot earn

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Suze: over $10,000 and qualify for a ROTH IRA. Now, here's where

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Suze: I want you to listen to me

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Suze: because you need to know once you earn over the

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Suze: amount that allows you to contribute the maximum but under

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Suze: the amount that disqualifies you from a ROTH IRA all together,

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Suze: you don't know how to figure out how much can

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Suze: you put into a ROTH IRA ,

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Suze: am I making sense to you? So I am going

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Suze: to teach you right now how to do it.

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Suze: So let's assume you are over 50 years of age

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Suze: and let's also assume that you are single

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Suze: and in this year 2022 the max allowed to be

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Suze: put into a ROTH IRA. If you are 50 or older

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Suze: is $7000. Again

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Suze: the modified adjusted gross income for a single this year

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Suze: is 129,000 to put in the max under that, once

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Suze: you've put in 144,000, you no longer qualify.

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Suze: Let's assume you make however $135,000 a year of modified

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Suze: adjusted gross income.

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Suze: So the question is your over the 129 to put

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Suze: in the max.

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Suze: But you're under the 144 that disqualifies you from a ROTH IRA.

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Suze: How much can you contribute to your ROTH IRA .

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Suze: Here's how you do it.

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Suze: You subtract your modified adjusted gross income.

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Suze: In this case it was $135,000 from the upper limit

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Suze: that disqualifies you from a ROTH IRA for 2022. That's 144,000.

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Suze: So if you subtract your 135,000 from 144,000, that leaves

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Suze: you $9000.

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Suze: Now

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Suze: You also have to know what is the difference between

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Suze: the amount of money that you can make to contribute

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Suze: the most which is $129,000 and $144,000.

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Suze: So you then need to subtract the 129,000 from the 144,000.

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Suze: And that gives you $15,000. So there's two calculations that

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Suze: you have to make,

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Suze: the first is you take your modified adjusted gross income

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Suze: and subtract it from the upper limit of when you

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Suze: get disqualified from a ROTH IRA , which in this case

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Suze: for this year is $144,000 if you're single.

203
00:20:36,030 --> 00:20:40,590
Suze: You then have to subtract the upper level from the

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Suze: lower level which is 144,000 and 129,000 from each other which gives

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Suze: you 15,000.

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Suze: You then divide, you can do this people, your $9,000

207
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Suze: difference

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Suze: by the $15,000 difference.

209
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Suze: And that comes out to be 60%.

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Suze: You then would be allowed

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Suze: to put in 60%

212
00:21:18,500 --> 00:21:22,440
Suze: of the maximum amount this year. Which for you would

213
00:21:22,440 --> 00:21:28,810
Suze: be $7000 because you're 50 or older. So 60% of

214
00:21:28,810 --> 00:21:36,280
Suze: $7000 is $4200. And that is the amount that you

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Suze: can put in to a ROTH.

216
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Suze: Do you want me to go over it one more time?

217
00:21:41,740 --> 00:21:46,270
Suze: Because these are numbers you need to know how to

218
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Suze: calculate

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00:21:47,920 --> 00:21:51,520
Suze: one more time. Let's just assume

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Suze: that you are married finally, jointly this time

221
00:21:56,810 --> 00:22:04,060
Suze: And this year you are going to make $207,000 of

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00:22:04,060 --> 00:22:08,440
Suze: modified adjusted gross income between you and your spouse.

223
00:22:09,680 --> 00:22:15,420
Suze: The upper modified adjusted gross income this year to contribute

224
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Suze: the max is $214,000.

225
00:22:21,520 --> 00:22:28,990
Suze: You subtract your $207,000 from the 214,000 which is the

226
00:22:28,990 --> 00:22:34,330
Suze: upper limit that gives you $7,000.

227
00:22:35,290 --> 00:22:38,800
Suze: You then subtract the lower limit

228
00:22:39,400 --> 00:22:43,660
Suze: Which is 204,000 to be able to contribute the max

229
00:22:44,240 --> 00:22:51,060
Suze: the 204,000 from the 214,000 upper limit that gives you

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Suze: the number of 10,000

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Suze: You then divide 7000.

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Suze: The difference between your modified adjusted gross income and the

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00:23:02,460 --> 00:23:03,220
Suze: upper limit

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00:23:03,960 --> 00:23:08,040
Suze: That, your 7000 by 10,000.

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00:23:09,119 --> 00:23:12,330
Suze: And that gives you 70%

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Suze: And the maximum that you can put in, because you are 50 or older, is $7,000 this year.

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Suze: And 70% of $7,000 is $4,900. So $4,900 is the maximum that you could put in this year. 

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00:23:39,000 --> 00:23:41,440
Suze: You need to listen to that over and over again.

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00:23:41,450 --> 00:23:45,210
Suze: Those calculations are really really simple.

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00:23:46,570 --> 00:23:48,430
Suze: So now you know

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00:23:49,240 --> 00:23:53,720
Suze: the difference of how to calculate that.

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Suze: Now one last thing before I end because I know

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00:23:59,070 --> 00:24:02,170
Suze: your mind is just swimming with numbers so I'm not

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00:24:02,170 --> 00:24:06,410
Suze: going to give you any other Suze School today because

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00:24:06,410 --> 00:24:08,640
Suze: that is what I wanted you to know

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00:24:09,550 --> 00:24:11,140
Suze: is this

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00:24:12,190 --> 00:24:16,689
Suze: We are 19 days away everybody

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00:24:17,600 --> 00:24:22,409
Suze: from today for you to be able to get extra

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00:24:22,410 --> 00:24:28,439
Suze: entries into the Suze Holiday sweepstakes with Alliant credit union

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00:24:28,450 --> 00:24:35,690
Suze: where we are giving away to $10,000 prize is directly

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00:24:35,700 --> 00:24:39,200
Suze: in to your Alliant credit union account.

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00:24:39,980 --> 00:24:43,730
Suze: All of you should have gotten an email that also

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00:24:43,730 --> 00:24:47,859
Suze: gives you a link in that email that allows you

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00:24:47,859 --> 00:24:51,290
Suze: to send that link to family members and friends and

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00:24:51,290 --> 00:24:55,040
Suze: if they open up an Alliant Credit Union account

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00:24:55,510 --> 00:24:59,760
Suze: they get entered into the sweepstakes automatically and you get

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00:24:59,760 --> 00:25:03,920
Suze: an extra entry. Obviously if you're already a member of

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00:25:03,920 --> 00:25:09,550
Suze: Alliant Credit Union you are automatically entered into the sweepstakes.

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00:25:09,609 --> 00:25:13,760
Suze: But if you want extra entries that's how you get

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00:25:13,760 --> 00:25:17,649
Suze: them for those of you. However who maybe didn't get

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00:25:17,650 --> 00:25:20,010
Suze: the email or it went into your junk mail or

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00:25:20,010 --> 00:25:21,040
Suze: you missed it?

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00:25:21,510 --> 00:25:25,880
Suze: You would go to my Alliant A. L. L. I. A. N. T.

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00:25:25,880 --> 00:25:29,870
Suze: dot com slash Suze, and that is where you would

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00:25:29,869 --> 00:25:34,910
Suze: get your personalized link if you're new. However you're not

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00:25:34,910 --> 00:25:38,190
Suze: exactly sure what we're talking about here.

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00:25:39,119 --> 00:25:43,930
Suze: You would go to my Alliant A. L. L. I. A. N. T.

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00:25:43,930 --> 00:25:45,050
Suze: dot com

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00:25:45,770 --> 00:25:49,840
Suze: and become a member of the Alliant Credit Union. Sign

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00:25:49,840 --> 00:25:53,290
Suze: up for the Ultimate Opportunity Savings account. Were you'll be

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00:25:53,290 --> 00:25:57,590
Suze: making right now 2.5% plus $100 bonus. If you put

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00:25:57,650 --> 00:26:00,680
Suze: $100 a month in every month for 12 consecutive months

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00:26:00,690 --> 00:26:04,930
Suze: you're automatically entered into the sweepstakes and then you will

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00:26:04,930 --> 00:26:06,200
Suze: get a link

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00:26:06,350 --> 00:26:09,310
Suze: to give out to your friends and family members and

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00:26:09,320 --> 00:26:14,830
Suze: also get extra entries. So 19 days left Peeps after that.

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00:26:14,869 --> 00:26:23,659
Suze: This is over who wouldn't want to win? $10,000. I

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00:26:23,660 --> 00:26:24,500
Suze: don't know

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00:26:25,290 --> 00:26:27,980
Suze: if you ask me every single one of you should

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00:26:27,980 --> 00:26:32,560
Suze: want to do that. All right. This was just a

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00:26:32,560 --> 00:26:37,369
Suze: small Suze School because I'm sure you're having trouble digesting

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00:26:37,369 --> 00:26:41,480
Suze: still the Turkey leftovers? You know what I love more.

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00:26:41,490 --> 00:26:44,340
Suze: And actually the turkey dinner and everything that goes with

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00:26:44,340 --> 00:26:49,970
Suze: it the next day. Do you not love cold turkey

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00:26:49,970 --> 00:26:54,950
Suze: sandwiches with mayonnaise and lettuce? I love that,

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00:26:55,109 --> 00:26:59,609
Suze: I love it. So that's my favorite thing and I'm

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00:26:59,630 --> 00:27:06,840
Suze: going to get one right now alright. Until Thursday when

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00:27:06,840 --> 00:27:12,730
Suze: Ms Travis joins us again with Ask KT and Suze Anything.

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00:27:12,810 --> 00:27:15,550
Suze: There's really only one thing that I want you to

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00:27:15,550 --> 00:27:18,460
Suze: know when it comes to you and your money and

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00:27:18,460 --> 00:27:20,280
Suze: that is for all of you to be smart,

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00:27:20,640 --> 00:27:27,100
Suze: strong and secure. Now you stay safe. Bye bye. Everybody