Yes, Adenovir, you are correct. You may keep your Roth IRA in those years when your income does not allow you to contribute or make IRA convesions. You simply can't add funds to it. That means that you probably should have a separate conventional IRA account for those years contributions. If the amount is initially small, those Vanguard fees are not very large, but if you wanted to avoid them, keeping the account somewhere with lower fees and then moving it would be one approach.Best of luck to you.
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