How can I make a Roth IRA contribution if met the maximum income threshold?

If you’ve earned more than $181,000.00 this year, the IRS is going to reduce the maximum amount of Roth contributions permitted for the year--if they allow you any. Don't stress this limitation to much. To get around this, you need to make a traditional IRA contribution AFTER TAX, and then convert it to a Roth IRA. Because it’s after tax, there won’t be any tax on the conversion. This tactic was made possible when the IRS removed the income level restrictions for making Roth conversions in 2010.