I've been waiting to make my full IRA contribution for 2017 while I try to figure out my taxable income for the year, and need some help. I currently make $125k, file single and max 401k. I contribute to a Roth IRA most years but may be heading back to grad school in June, which would cut my income to around 60k. I'm thinking I could then contribute to a traditional IRA and get the full deduction but there may be a way I can recharacterize later to make it a moot point. Any strategies/advice to deal with the uncertainty? The MMM forum always seems to straighten me out when I spend hours researching tax policies and end up with nothing more than a headache. :)