I am probably on the cusp this year of qualifying or not qualifying for a traditional IRA. I would like to go ahead and front load one of the accounts as I have future uses for the Roth. I have some increases in income that are possible that might bump me out of qualifying for a traditional IRA. So that being said...is it a mess to recharacterize? Part of me just thinks I should stop hemming and hawing, put in Roth, and I can always change later/end of year if my income turns out to be lower. Make sense?
