so for example, ,if no earned. so for example, ,if no earned income on the indiv over age 70 1/2 and some earned income for spouse, then the over 70 1/2 can make a ROTH contrib, if I understand you correctly..o for example, ,if no earned. so for example, ,if no earned income on the indiv over age 70 1/2 and some earned income for spouse, then the over 70 1/2 can make a ROTH contrib, if I understand you correctly..