My fiancee and I want to max out our Roth IRA accounts for 2017 but are not sure if we will be able to contribute the full $5,500 as we each earn approximately $100K. If we filed our taxes as Single we would be in the clear as the limit is $118K, but if we filed under MFJ status, the joint income limit is $184K.Globalviewer58 wrote:Another option is to have a religious wedding ceremony but never file the state marriage license. The ceremony may fulfill your cultural and family beliefs.
As long as you have not submitted the signed marriage certificate to the state you would still be able to file as two single earners.
So my questions are:
1 if we get married officially overseas, can we legally file as Single here?
2 if yes to question 1, are there any implications when we decide to file under MFJ status and submit our foreign marriage cert from a few years ago?
3 do we need to obtain an official marriage cert in the US to file as married in the US? This ties in with question 2 - i.e. we file as Single until we want to file as MFJ status in the US, then get an official US marriage cert to start filing as MFJ during that year
If the answer is question 1 is "No", then disregard questions 2 and 3. Don't want to run afoul of the law!