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Whether or not you can make the maximum Roth IRA contribution ($5,500 annually, or $6,500 if you're age 50 or older) depends on your tax filing status and your modified adjusted gross income (MAGI) .
The right answer is False. The annual IRA contribution limit, which for 2015 is $5,500 (plus an extra $1,000 for those 50 and older), applies to your IRAs in total. So for 2015, for example, a 30-year-old could split her total IRA contribution and put $3,000 into a Roth IRA and $2,500 into a traditional IRA.