I currently am a stay at home mom. We are considering converting my traditional IRA to a Roth IRA while at a lower tax bracket. However when I start back to work in a couple of years, we will be above the $176K AGI to make contributions to the Roth.
What are our options then? The Roth still grows, we just can’t contribute. Can we then open an additional Traditional IRA or is there a better option? Or should we not make the conversion?

 When is the deadline for converting a traditional IRA to a Roth IRA for tax year 2009?

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