 too much income and you can't contribute directly to a Roth, well, the good news is you can convert through the backdoor, what's called a backdoor Roth, take your IRA dollars, go ahead and pay the taxes on them now, and therefore move them into the Roth side. Now, for Roth, though, you're going to need to get it ahead of this. There's a five-year rule that says in order to get any of the tax benefits of a Roth account, the money must be in the account for a period of five years.