Roth eligibility has nothing to do with whether you have access to an employer's retirement plan or not. This only matters if you want to use a traditional IRA.In order to contribute to a Roth IRA, your income must be under a certain threshold. If you are married and file a joint tax return, your adjusted gross income (AGI) must be $189,000 or less to make the maximum Roth IRA contribution, which for 2018 is $5,500 if you're under 50 or $6,500 if you're 50 or older.