I've tried every which way to max out AS's Roth, but the mistake I made when opening her SEP -- which I only realized after I opened it I'd opened as a traditional IRA -- has made it too difficult.

I had AS call several times -- once she was on the phone for over an hour. Finally I just started calling as her (sue me) because she was intimidated by all the technical lingo. I don't blame her! They finally said I needed to fill out a form to recharacterize SEP funds to Roth funds. I got the form but couldn't figure out some of the answers, so I called them. This time they said the form wouldn't work because the Roth was a "legacy" account and the SEP was a "new" account. So they made me upgrade the Roth and call them back a day or two later.

Today I called and at first the guy said the only way I could contribute to the Roth would be through an outside bank account. I re-explained my situation to him, he put me on hold, and came back to say I was right, recharacterization was the only option. But -- too bad, so sad -- it could only happen during market hours. I could call again during market hours and they'd handle it right away.

Guess what? I don't think I can stand another call. It's no longer worth it to me. I contributed the amount I would have used to max out AS's Roth and put it into her SEP instead, and there it will stay. At less than $1000, it's just not worth another phone call and possibly some complicated tax reporting. We'll start maxing out her Roth next year.

Grump grump grump.

I'll still work on maxing out mine and NT's before the April deadline. I think I can get pretty far even if I don't max them out completely.