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Well, the $130k is my base salary now. This year I got about $9k in unexpected bonus, which added to my W2 taxable as well. I also sell most of my ESPP regularly, so this adds about $2 to $3k taxable annually at least.

After 401k, I end up with $125k federal AGI this year according to my spreadsheet. My federal taxable income is under $110k - it is only $100k indeed after deducting the mortgage interest, property taxes, and California states taxes.

But the Roth eligibility rules talk about a maximum modified AGI of $110k, not about maximum taxable income of $110k. The MAGI is the same as the AGI for me (and anyway, the MAGI can only be higher than federal AGI, never lower), so I'm ineligible for a Roth contribution this year, as I have been for the last 5 years.
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