Not Eligible for Roth after Marriage

[Zman]

If somebody gets married midyear and loses roth eligibility, what options are there? Can you contribute until marriage? Do you have to withdrawl or remove that years contributions? Can you contribute after the marriage?

Search feature isnt working, so I couldnt fint the answer

[MustacheAndaHalf]

Their IRS filing status for the year is married.  They don't file separate tax returns for 2015 before marriage and 2015 after marriage - they just file a 2015 tax return.

The following page on Vanguard's website has a section on "re-characterization", discussing how to undo a Roth contribution:
https://personal.vanguard.com/us/insights/taxcenter/rothira-conversions

[NoStacheOhio]

Could you provide more info? You may be able to recharacterize your contributions to be non-deductible tIRA, then convert that to a Roth (non-mega backdoor).

[GrowingTheGreen]

Ooh! This happened to me in 2015!

I made Roth contributions that i later found were not allowed due to MAGI. I was majorly stressed about having to re characterize and then backdoor.

It was super easy. I just called my mutual fund company and voila! It was done. They did the recharacterization over the phone. I'll do the conversion part some time this year. Took about 10 minutes.

[Zman]

Backdoor!!!!!!!!!!!!!!!!!

Yes, turns out I just needed to re characterize and then use a backdoor conversion into the roth. It was super easy and just took a quick call to vanguard. In the future I just wont invest the Traditional IRA and convert it to Roth before investing the $$.  Thanks All!