<prompt> Human: So you can contribute a maximum of 5,500 yearly but not a minimum?. If your income is too high you need to convert to a traditional IRA? Also I have read before that you can receive compounded interest added to your ROTH through trades on the stock market? I make about 20,000 annually at the moment and am starting to stress about not being able to live comfortably when I hit my 60s. Any and all information or explanations would be very appreciated.  <response>: The income level where you need to start worrying about not being able to fully contribute to a ROTH IRA is 116,000. So you have no need to worry about that. Also, no matter your income, you will never HAVE to convert to a traditional IRA, you just wont be able to contribute more to your ROTH in that year.You will need to find ways to boost your income if you want to live comfortably in your 60s. 