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Thanks everyone, this was helpful for me. Yes, we are definitely over the limit, so I went ahead and did the conversion of my wife's IRA back into the Roth today, and I'm getting a withdrawal of my excess contributions and will put that in an HSA, since I believe I can use that for a deduction. Than...

Ok, first time posting here. So my wife and I each contributed $5000 to a Roth IRA this year, but now we're over the income limits. I've requested a withdrawal of my contributions (plus earnings), which I will then use to max out our HSA contributions instead. My wife called today to have her Roth c...