<prompt> Human: If my wife and I hit the 185k Roth IRA threshold in October, does that mean everything in our Roths at that point in time are safe to stay there? Or does it mean we need to back convert all of that from Roth to Traditional?If we have to recharacterize them, are we safe to do this until taxes are filed?  <response>: IIRC Since you hit the maximum income limit in 2016, you are not eligible to contribute to a Roth in 2016. However, remember that the maximum income limit is your taxable income. So subtract any pre-tax contributions Traditional 401K, etc from your income and then compare it to the maximum income limit. 