<prompt> Human: Hi there,I recently accepted a new job where my annual earnings will shoot over the Roth IRA contribution limit. However, I have already contributed 3K to the Roth IRA. What are my options? Should I just withdraw my contributions? What do I do with any gains?If its of any use, my Roth IRA is with Vanguard.Thanks  <response>: Have you already maxed out your 401k? If not,do so and it could push you back down the threshold. 