<prompt> Human: Im in Sales, so unfortunately, I dont know until late in the year if Ill be above the limit for Roth IRA. I had setup an auto-transfer from my checking to Roth for the better part of 2014, and now that Im over, I need to pull it out. How do I do that without penalty?  <response>: No way to recharacterize it as a traditional and then convert it into a Roth? 