<prompt> Human: So last year my income was 100k and come April, I maxed out my ROTH for both this year and last year. I then got a raise new base is 90k. The issue is I get a pretty significant bonus...last year it was 25k and this year I am told it should be in the 25-40k range.Im single, no kidsschooletc and I think the 115-130k range might partially or fully disqualify the IRA I already contributed to. Question: 1. Am I correct that this is probably the case? 2. Any thoughts on how I fix this? 3. Would you recommend backdoor IRA as a replacement?  <response>: Your MAGI Modified Adjusted Gross Income has to be under 114K in order to max out your Roth IRA. amount youre allowed to contribute gradually diminishes until you reach 129KIf you have 401k at work, you can contribute to it, and every you contribute to 401k reduces your MAGI by the same amount. 