I decided to try to get us some more tax money back this year by putting my husband's IRA contribution in a traditional instead of a Roth. Which is great but when I forecasted our taxes this year, it became clear that the last contribution to his IRA will have to wait until after I know exactly how much we made. We are in the phase out of the deduction so part of his 2014 IRA will need to be Roth after all.

Its a good problem to have and we still make a significant amount of money back from taxes, just shocking that we tripped it. I thought we would have more room this year.

Our variability in income has always proved a challenge in tax planning.