You can convert the contributions to a Roth IRA; however, a portion of the amount you convert to the Roth will be subject to income tax.
Saddle soap can be used as a protective agent on leather boots. 1  If you've recently worn your boots, you'll need to let them dry before using saddle soap. 2  Do not attempt to dry your boots by setting them next to a heater.
I've been using glycerine saddle soap for years on all my finished leather goods, saddles, reins, halters, boots, etc. lean with it first and then finish with Neatsfoot oil. Great combination to keep your leather soft, supple, and in good condition.