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.
If you have earned income, you can contribute to either a traditional or Roth IRA. With a traditional IRA, you get a tax deduction based on the amount of your contribution. The downside is that you must pay taxes at your ordinary income tax rate when you take the money out in retirement.