I'd invest in the Roth because you don't know what will happen in the future. We are in a similar situation where we usually cannot invest in a Roth, but there have been 3 years when we fell below the MAGI limits and could contribute to Roths because either DH or I were out of work. I decided that I will make contributions in any year that we are actually eligible, and so far, that's happened 3 times.You don't know if the limits will be raised or you will lose your job or have reduced income for some reason, so when I have been in your situation, I have taken advantage and made the contribution.
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