You can have your ROTH and eat it too - even if your MAGI isn't under the limit.You put your money into a standard IRA. You immediately transfer it to a ROTH IRA. You're good.For lurkers, this advice doesn't work for everyone. It works only if you have no traditional IRA account, including rollovers from prior employers, SEPs and SIMPLEs with pre-tax money in them. In that scenario you'll have taxable income from the conversion to Roth. See Part I of Form 8606.PhilRule Your Retirement Home Fool
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