You right, that's what I meant. Roth is for people who are making more in retirement, which I want to do, and why I set up my 401k that way. However, I chose a Traditional IRA because I didn't want to play the odds, so I'd have a traditional retirement account in case I make less in retirement (IRA) and a Roth retirement account in case I make more (401k).

I am having trouble following what these income limits are.

There are no income limits for Traditional IRAs,2 however there are income limits for tax deductible contributions.

There are income limits for Roth IRAs. As a single filer, you can make a full contribution to a Roth IRA if your modified adjusted gross income is less than $118,000 in 2017. If your modified adjusted gross income is more than $118,000 but less than $133,000, a partial contribution is allowed in 2017. If you are married and filing jointly, you can make a full contribution to a Roth IRA if your modified adjusted gross income is less than $186,000 in 2017. If your modified adjusted gross income is more than $186,000 but less than $196,000, a partial contribution is allowed in 2017.

I may be over 118k. What is a full contribution versus a partial contribution? How do I know how much I am allowed to do? How do I know if I make too much for a tax deduction?