Who cannot do ira?

However, you can still contribute to a Roth IRA and make a reinvestment. There are no income limits for traditional IRAs, but there are income limits for tax-deductible contributions. No, there is no maximum income limit for a traditional IRA. Anyone can contribute to a traditional IRA, including buying physical gold in an IRA. While a Roth IRA has a strict income limit and people with incomes above it can't contribute at all, that rule doesn't apply to a traditional IRA.