You are not taking into consideration the phase out range for the ROTH contribution ... it is from 129K to 142K as already mentioned in the prior post. It is a phase out not a "cliff" in tax terms so your contribution is already limited and may be completely un allowed so going forward WAIT to make the IRA contribution until you know how much will be allowed OR if you have nothing in a traditional IRA you can make a non deductible contribution then convert it immediately to a ROTH using a trick called the "Backdoor" contribution.
