We currently max out my wife and my 401k each year, and then max out our Roth's as well. Due to a promotion that is in the works, I am concerned that we will not be eligible to contribute to our Roth's this year and will need to begin to use the backdoor IRA -> Roth trick.
My problem is that I began to autopilot my roth this year, instead of waiting for a dip or excess funds to be available and contributing the full amount in a single transaction, I have had included vanguard on my direct deposit form at work. To date I have $1,833.36 contributed to my Roth for the year. Is there anyway to salvage this for the year? It seems like it would be fishy to remove those funds, put then into an IRA and then reclass.
Also, I currently have ~30k in my Roth, but also 25k in a a traditional IRA that was rolled over from a previous employer. I currently focus on just buying VTSMX/VTSAX for my portfolio. I believe I will have to roll the tIRA into my current 401k with WellsFargo, which will mean trading VTSAX for a 83/17 split of Blackrock S&P fund(.04% ER) and VSISX Small cap (.10% ER). Slight different allocation, but I am thinking the benefits of preserving ongoing ROTH contributions will be worth it.