<prompt> Human: New members, please check the PF Wiki to see if your question might be answered there.Anybody can post a PersonalFinance-related question in a Moronic Monday thread without being the subject of criticism or massive downvotes. This is a low-key place to ask any question no matter how moronic you think it might be.Make a top-level comment if you want to ask a question! Please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past Moronic Monday threads, please search the Weekly Archive  <response>: For 2017 Ill be close to the income limit for Roth IRA. Im not sure if Ill be under, over, or somewhere in between by end of year. Should I just go ahead and do a traditional ira, and immediately convert it to a Roth, to be safe?If so, would I have problems doing this if I also planned on contributing to a SEP IRA? Would I need to convert both of these into Roth? Or can I keep the SEP separate with no tax penalties? Anyone reason NOT to roll both to Roth every year?Thanks! 