<prompt> Human: Hello, I am trying to figure out how to take advantage of the retirement savings contribution credit. I have a low earned income of 4,000 for 2017 but I have a pension to Trad IRA rollover of 30k and a Trad to Roth IRA conversion of 10k. I read the IRS rules on Roth IRA contribution and dont believe I have enough earned income to contribute to Roth IRA this year because the high rolloverconversions cancels it out. What about traditional IRA contribution, is that possible in my situation?Thanks so much in advance, Ive really been struggling with this. P.S. Turbotax didnt catch that I cant contribute to Roth IRA, yet worksheet 2-2 in the IRS guide says I cant, whats with that?  <response>: Rollovers and conversions dont count towards the contribution limit. You can contribute to a Roth IRA up to your earned income. 