Can you contribute to a roth ira if you are on social security?

Almost anyone who has a job with earned income can open and contribute to a Roth IRA, including people who receive Social Security Disability Insurance (SSDI) benefits. If you're one of those high-income people, you can't contribute directly to a Roth IRA, but you can create a clandestine Roth IRA by making a contribution to a traditional IRA and, later on, making a conversion to a Roth IRA. Be sure to consider the Gold IRA rollover fees associated with this process before making any decisions.