<prompt> Human: I recently got a promotion at work and now I wont be able to contribute to my roth IRA anymore. I have no idea what to do with it now, I know there is a penalty for early withdrawal so Im not sure if I should roll it into my 401k since my tax bracket has jumped although mixing pre-tax and post-tax seems like a mess waiting to happen or if I should leave it where it and just not contribute to it anymore.Im also thinking about taking the funds I was contributing to the roth IRA and just invest them myself using my broker that way I dont spend the money on crap.  <response>: Leave it where it is and look into the backdoor Roth IRA. 