<prompt> Human: There is an income limit to contribute to a Roth IRA.x200B;If I joined the workforce in October this tax year, but my salary is 200k over the limit, but my actual income this tax year is quite low, am I allowed to contribute the maximum to a Roth IRA?  <response>: Your salary is irrelevant, it is based on however much income you receive in 2018. So you can do it if youre under the limit.Next year you can still do a backdoor Roth IRA. 