You can have all the IRAs your little heart desires, with any combination of traditional and Roth you want to set up. If you have a bunch there may be a lot of paperwork, and there might be some fees, but you are allowed not only a traditional IRA and a Roth, but you can have several of each. However, you may not contribute more than a total of $2000 in any given year. You may distribute that any way you wish. You might also consider converting your traditional IRA to a Roth, since you are wishing for this year you had a Roth. Your custodian would probably charge a fee for the conversion, but if you are thinking it would be better to pay taxes now rather than later, you can convert. Next year you could open a new traditional, or just contribute to the Roth, as may seem appropriate. Best wishes, Chris
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