My income is too high to contribute to a Roth IRA. Is there any way around that?

摘要

THE LAW BLOCKS ROTH IRA contributions for singles whose modified adjusted gross income in 2015 exceeds $131,000 and for married couples whose MAGI exceeds $193,000. But there are ways to trim MAGI, as well as other pathways to tax-free Roth withdrawals in retirement. First, some background: For most taxpayers, MAGI and AGI are the same, but a few deductions and exclusions must be added back to AGI to calculate MAGI. These include deductions for student-loan interest, benefits for certain employer-paid adoption expenses, and interest income from U.S. savings bonds used to pay for higher education.