My wife and I file jointly and I am covered by a retirement plan at work. Our AGI is currently low enough that my wife opened a spousal IRA about one year ago. Not that I am complaining but I anticipate our AGI will be above the allowable limit to contribute to this IRA in the next 1-2 years and still get any tax break and is already above the limit to convert to a Roth IRA. I am not sure now what to do with this account, continue contributing while we can, suck it up and close it? Any suggestions for this fool?
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