Rock And Roll Heaven by The Righteous Brothers. This talks about numerous music stars who died too young. First verse: Jimi gave us rainbows is Jimi Hendrix. Janis took a piece of our hearts is Janis Joplin. Otis took us all to the dock of the bay is Otis Redding. Remember Jim that way is Jim Morrison.
The idea is that even if you earn too much to contribute to a Roth IRA directly, you can open a Traditional nondeductible IRA and convert it to a Roth; there is no income limit on Traditional nondeductible IRAs or conversions.
Source: IRS Publication 590. You may contribute to both a traditional IRA and a Roth IRA in the same year. However, the total of your contributions in 2015 to a Roth IRA and a traditional IRA may not exceed $5,500 if you are under 50 years old and $6,500 if you are age 50 or older. Also, your contribution limit to a traditional IRA will be reduced by the contributions made to a Roth IRA.