No. of Recommendations: 0
Unless you feel like dealing with recharacterization of the contributions, I think you should wait until you know what you AGI is going to be. I am going thru the mess now of separating out my excessive contributions so I can recharacterize them into a traditional IRA. Now I have to have two IRA accounts, each one costing me $25/year just to have, not to mention the fees for my investments.

Of course if I had any clue that I was going to be as fortunate as I have been this year and that I was going to get the raise that I got, I never would have put any money into my Roth.
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