I am probably in that same "tax bracket" but there's a way around that. You put it into a standard IRA, then roll it into the ROTH. My Edward Jones person does it for me every year. I get no tax break for the standard IRA doing this, but I do get to ROTH invest. Here's a news article about it.http://online.wsj.com/article/SB1000142405274870399490457564......Also, if we were to have an awful stock year again and prices went way down, you could use that as an opportunity to move regular IRA into Roth IRA, pay taxes, and ride everything back up.I'm well aware of the work around for putting money into the Roth IRA since I am also not eligible to make direct Roth IRA contributions. This method only works if you do not have any non-deductible traditional IRAs. Otherwise there are tax issues since you can't pick and choose to just rollover your non-deductible IRA contributions.
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