I'm a college student doing some part time work (for my school), and my dad very generously said that he would match my contributions to my Roth IRA if I maxed it out - ie. I pay in 3000 and he pays in 3000. However, a quick google search says that you can't contribute more than you earned, which is a problem because in 2019 I only made 4500 dollars. I was wondering if:
a. The IRS would actually notice- since both 4500 and 6000 dollars are less than the minimum filing requirement I don't think my income would even end up on any tax returns either way.
b. Can my dad just decide to 'pay' me 1500 dollars for the work I do around the house (the usual babysitting, yardwork etc.) so that I reach the required income.