[[I understand that with conversions, if you later determine that your taxable income is too high, you
can back them out. How about for _new_ contributions? We're close enough to the earning limits
for Roth IRA contributions that if we were to receive good bonuses, it could push us over the top.
Initially, I figured we could just punt and contribute once the year was behind us, but the recent
stock market declines have me rethinking that option.]]

Both contributions and conversions can be recharacterized based upon the law recently passed, Scott. But they would then have to go to an IRA which, in your case, could very well be non-deductible.

TMF Taxes
Roy