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I don't think this was covered in the thread .. is there any reason you cannot leave what you have in place and open a new Roth IRA as opposed to making after tax contributions to the traditional IRA or converting tour traditional IRA.

The advantages of the Roth are many-fold ... you would be stuck for the taxes on additional contributions anyway, but the big advantage is the back end. There is no RMD on a Roth. You can make adjustments whenever without tax consequence after age 59 1/2.

This wouldn't cover all your "extra" disposable income, but that can go into your Schwab account. It always rains sometime some place. I suffered (for example) about $3000 in damage from ice damming last winter. It was nice not to have to scramble for funding repairs.
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