<prompt> Human: I got married December 19th of last year. My wifes parents are claiming her as a dependent in 2015, so were filing separately for 2015 and planning on filing jointly in 2016.We made about 15,000 in 2015 while going to school, and I see here that this means we are above the income limit This seems ridiculous to me though, I wasnt married when I made those contributions. What are my options? Should I withdraw the 1200 and contribute it to my 2016 limit? Can Vanguard do that for me without me having to withdrawrecontribute?  <response>: Marriage status is determined on the last day of the tax year.Married filing separately is an undesirable tax status designed for unique situations, and you lose a ton of benefitsperks. This is just one of them. 