Which of the following is true of a Roth IRA (mark all that apply)? The earnings grow tax-deferred. Contributions are 'above-the-line' deductions. In the case of contributing the account of a non-working spouse, total contributions to one's own and one's spouse's Roth IRAs may exceed one's income for the year. Contributor must have earned income. Individuals must meet certain income criteria (higher income taxpayers are not allowed to contribute)