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I opened a Roth IRA in my name a couple of weeks ago. Then I realized that my spouse had gotten a large stock option payout which put our combined income over the limit. We always file our taxes jointly. I was told to roll the Roth account over to a traditional IRA account, but I prefer not to do this, because we are over the income limit to be able to deduct the contribution anyway.

Is it likely that, in some future year, without the effect of the stock option payout, your income will be low enough to roll those after-tax Traditional IRA dollars into a Roth? I believe the rollover limit is $100,000, but I'm not sure if the tax bill in Congress will increase this income cutoff.
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