Sorry, 125K is my gross income. I benefit from very few exemptions (single, no mortgage), but that's a great point about 401k contributions reducing my MAGI. I'll plan on maxing out the 401k and continuing the Roth.
Tjat, how do you make non-deductible IRA contributions to roll into Roth 401Ks? Do you have a link to sum this up for me in simple terms, by any chance?