<prompt> Human: I opened a Roth IRA through Vanguard earlier this year and have contributed about 3k so far. I recently received a pay increase which will bump my modified adjusted gross income above the limit to which I can contribute to a Roth IRA. Can I just convert my account to a traditional IRA since there arent any income limits or what should I do? Thanks in advance for the advice!  <response>: You could increase your 401k to push it down under limit, or re-characterize the IRA contribution to traditional. 