Rock And Roll Heaven by The Righteous Brothers. This talks about numerous music stars who died too young. First verse: Jimi gave us rainbows is Jimi Hendrix. Janis took a piece of our hearts is Janis Joplin. Otis took us all to the dock of the bay is Otis Redding. Remember Jim that way is Jim Morrison.
The idea is that even if you earn too much to contribute to a Roth IRA directly, you can open a Traditional nondeductible IRA and convert it to a Roth; there is no income limit on Traditional nondeductible IRAs or conversions.
While there are income limits on who can contribute to a Roth IRA and who can deduct contributions to a Traditional IRA, there are no longer limits on who can convert a Traditional IRA to a Roth. This means that anyone, regardless of income, can contribute to a Traditional IRA and immediately convert it to a Roth IRA.