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I'll try and make the long story short.

1) last year I was under the income limits and opened a Roth IRA (November 2012).

2) I switched jobs in June 2013, now Im set to go over the income limit, but have not yet contributed to said Roth Account.

3) Next year, I'll be married and will qualify for the limit of combined household income.


Questions are:

(A) given that my 2013 total income between my previous & current job is more than the limit (even though a significant chunk of this money is from OT), can I still contribute to the Roth by 2013's end?

(B) Will I have to change it to a Traditional IRA now, or can I wait a few years without penalty?
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