<prompt> Human: Logically, it seems to make sense to put the 5500 into the traditional, so that Im not paying 50 tax ca tax, and everything else on the 5500.However, that money is locked up until Im 60 years old. Isnt there more utlility in the money in putting it into a roth ira, since you can at least withdraw it later? If it turns out you need the money. The traditional seems much more rational, but i cant get over the fact that you wont be able to touch it for another 35 years. Has anyone been in this situation, what did you do?  <response>: You cannot directly contribute to a Roth with that income. Your only option is a backdoor conversion to a Roth. 