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If I have Social Security income is that... Feb 3, 2026 - I have no earned income, but I contributed to a Roth IRA. If I have Social Security income is that considered earned income? Any other options? https://www.entertainmentimage.com/can-you-do-an-ira-without-earned-income Can you do an ira without earned income? A spouse who doesn't earn a salary can also save for retirement. 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