haigha,
I knew the rules & parameters...I was just trying to avoid a very
complex answer. You are simply single and a high earner...quit
your beefing,

Hey, us RetiredBums can't contribute a fookin nickel to any IRA,
as it's based on Earned Income, of which I haven't earned any
in 8 1/2 years. And, to convert my IRAs to aRoth now,
I get banged on some taxes and then can't touch the Roth for several years.

I'm surprised the greedy geniuses in Congress haven't fiddled/diddled
with the Roth, yet.
BR,mD (Some buying oppotunities, for longer term, are here today, imo)