I am semi-retired and my wife is retired. Based on my independent contractor earnings I can put 7.5 k in my Roth, 7.5 in my wife’s Roth, and I can defer 30k in my solo Roth IRA. I only made 50k. I have read that one cannot exceed earned income for retirement contributions, but I cannot find a definition. Is it the combination of IRAs and other plans, or is it that no one type can exceed earnings? Can I put more in the employer part of my 401k which would mean I would be putting about 54k into retirement plans ( wife and me), which is more than my earnings. There are several implied questions….how does the wife contribution limit me, or maybe it does not? Another question is what does earned income mean….my net? My net after deducting half of my SSA withholding, etc. Thanks.