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I have heard that one is not eligible to contribute to a Roth IRA when they earn a certain amount in job salary per year. My question is: when the threshold is met, can you still hold on to the Roth IRA that you already had, or does the Roth need to be converted to a traditional IRA. Further, if the threshold is met midyear, perhaps unexpectedly, what are the rules? Can you contribute to a Roth until the threshold is met midyear? Thank you.
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