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.
1 The body brush is generally the last brush used on the horse.  Grooming rag or towel, also called a Stable rubber: A linen or terrycloth towel or similar type of cloth, or sheepskin mitt, can be used to give a final polish to a horse's coat and is also used after riding to help remove sweat.