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.
Once sprayed down, wipe the mold away with a cloth. The vinegar should kill the spores which can remain in the leather for years waiting for another chance to grow. A dehumidifier in your saddle house will cut down on the mold for those saddles stored for longer periods without use. When it comes to your tack compartment on your trailer, if your done for an extended period of time take your gear out and store in your saddle house.