TurboTax说我income太高，不能有Roth IRA. 要我要不交penalty, 要不把Roth IRA convert回traditional IRA.

不是去年不管income如何都可以convert吗？怎么会这样？

有没有这种情况的同志？税表怎么填啊？

谢谢楼上的。我的TurboTax有点不一样。

income section
- 填1099-R的信息
   其中2a一栏是5000，2b一栏是"Taxable Amount Not Determined"
   填完这两栏Federal Tax Due就涨了2000多. 放在traditional IRA里的5000块钱是我税后的钱，怎么会又要交一次税呢？感觉不太对劲。
- Did You Inherit This IRA?  No
- Let's Check For Any Rollovers or Conversions:  I converted over this distribution:  I converted the entire distribution of $5000 from a traditional IRA to a Roth IRA.
- Move Funds?  No

填完这个以后，跳出来A Few Last Things About Your Retirement Account(s)
- Have you made any non-deductible contributions to any IRA?
   我选的yes，不知道对不对。
- Total basis as of December 31, 2010
   0
- Value of your Traditional, SEP, and SIMPLE IRAs on December 31, 2011
   0
- Value of your Roth IRAs on December 31, 2011
   XXXX (some number)
- Explain your Recharacterization
   ...
- Did you have any of these Canadian retirement situations in 2011?
   No

Deductions and Credits那里
－ Contributions to an IRA or Roth IRA:
    Traditional IRA
－ Is This a Repayment of a Retirement Distribution?
    No
－ Your total 2011 traditional IRA contributions
    5000
－ Any Excess IRA Contributions Before 2011?
    No
－ Have you made any non-deductible contributions to any IRA?
    Yes
－ Total basis as of December 31, 2010
    0
－ Your income is too high to contribute
    continue
 - You currently have a penalty
    Because you made an excess contribution of $5000 to your Roth IRA, you will owe a 6%
penalty ($265) each year that excess money remains in the IRA.
    But don't worry. You can remove this penalty by taking action before April 17, 2012.