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My fiance is thinking about starting a ROTH IRA. We are getting married next year. Here's my questions/problems-

Once we are married, our combined income will be over the limit. I thought of starting one this year, also, but my income is over the limit. What happens when she starts a ROTH this year but we cannot add to it next year because of the income limit? Will it just sit there or do we have to convert it to a regular IRA. If so, say in 2000 we fall below the income level, can she contribute then? She is planning on quitting her job after we are married and have a child so that she can be a mom. How will that affect her ROTH? Should we just avoid the ROTH altogether?

Is there anyplace that will offer these answers to me?

Thanks in advance!
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