There is a trick available to those who are not eligible to make a Roth contribution for whatever reason.
I strongly recommend that you use a financial advisor to assist with this trick.
It starts by making a contribution that is nondeductible to your IRA, you can see why I am saying use a financial advisor.
A nondeductible IRAs work like other traditional IRAs except that you don’t get any tax deduction for your contributions.
Because your contributions have already been taxed, you won’t have to pay taxes on them again when you convert your nondeductible IRA into a Roth IRA.
Your account’s earnings, however, will be taxable at the time of conversion, if there are any. I am suggesting that you make the contribution and immediately convert.
If you have both nondeductible and deductible IRAs, you will have to add them all together and prorate the amounts to determine how much of your conversion is taxable and how much is tax-free.
The converted dollars in the Roth grow tax free.
I have financial advisors who do this regularly to make Roth contributions when their revenue is too great for a regular contribution.