<prompt> Human: What should i do?While most of my portfolio follows the regular recommendation portfolio, i do play the market a bit with some smaller cash bucket. I did really well on some call options and now my income this year exceeded the max allowed for roth IRA contributions and ive already contributed.The roth IRA also did really well this year. What should i do. Pull back the contribution and pay tax on the capital gains the 5500 made this year? How does fidelity calculate that? My roth also increased significantly in value this year but only because it had been down. Mostly with stocks bought with a 2017 contribution. The increase happened after i contributed for 2018. Does fidelity know what is purchased with what stocks, or does it look at your contribution, the total amount that was in the account on jan 2018 and then calculate the capital gains and the share which proportionally aligns with the 2018 contribution.What do?  <response>: Good for you for realizing that youve reached the MAGI limit- and congrats on your successful call options! If I were you I would wait to re-characterize the Roth IRA contributions until tax time next year in case you have any capital losses which would pull that number back down. But as another person has mentioned, this is common and you can just give Fidelitys service line a call and theyll walk you through it. You are only taxed if it stays in your Roth IRA after the individual tax deadline next year, however, so Id wait. 