You should be very careful. There is another way to do this, it's called a backdoor Roth. Despite the sketchy name, it's perfectly legal and used in practice by

You should be very careful. There is another way to do this, it's called a backdoor Roth. Despite the sketchy name, it's perfectly legal and used in practice by millions of people. A simple way is to contribute $6,000 of post-tax money into a traditional Roth, then submit what is called a Roth conversion to convert the $6,000 into a Roth IRA account. Do this through the proper channels so all the documentation is there. This is not financial advice.