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Most individuals can contribute to their individual retirement accounts (IRA or Roth) with wages of up to $5,000, or $6,000 for those that are 50 or older. Some individuals may instead contribute to an SEP-IRA, if offered by their employer, which has a $50,000 annual contribution limit. In all cases, the assets that are held in these IRAs may be under scrutiny by the IRS in the upcoming years. .