Word: boohoo
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Dates: during 1990-1999
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...Everyman isn't necessarily good for you. The Roth, as it's known, could stand improvement. For starters, there are ridiculous income limits. Couples earning more than $160,000 a year are ineligible, and if they earn $100,000 they can't convert an old IRA to the Roth. Boohoo for the rich? Not quite. A pair of big-city schoolteachers may not be able to convert, while some millionaires can. How? Defer a bonus. Take time off. For one year, just don't earn...