Roth IRA 는 아래 인컴 조건이 있는걸로 아는데 아닌가요?
https://www.investopedia.com/terms/r/rothira.asp
Single filers can’t contribute to a Roth IRA if they earned more than $153,000 in 2023. For married couples filing jointly, the limit is $228,000 for 2023. In 2024, the contribution limits increase to $161,000 and $240,000, respectively.