i posted a similar comment on the foolish question board. i'm in the same boat as you. one off the wall strategy (only if you're married, and both of you have income) is to get divorced on 12/31/98 or sooner and remarry on 1/1/99. the roth ira conversion agi minimum is 100K for single or married filers (an incredibly stupid rule). i hope someone has an answer.
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