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[[ Assuming I qualify today for a Roth IRA i.e. earing less than 100K AGI]]

Well, the $100k AGI limitation is for a Roth IRA CONVERSION...not a CONTRIBUTION. They are completely different. Your AGI limitation for a contribution would be $150k for a married/joint tax return.

[[ What happens if I exceed the AGI limit - let's say in 10 years, after years of
contribution but well before retirement?]]

Absolutely nothing will happen...other than the fact that you'll not be able to make a contribution for that year. What has happened in the past is meaningless. Your Roth IRA will still remain.

[[ Will I be able to convert?]]

Not in the year that you exceed the AGI limitation, no.

[[ Would that
make sense? ]]

I'm not really sure. But what I AM sure of is that you need to read my post on the Roth IRA in the Taxes FAQ area.

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