請問居士和檸檬 Traditional IRA and income limit

IRS publication says:

• For married couples filing jointly, if the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is increased to between $123,000 and $143,000, up from between $116,000 and $136,000.
• For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the phase-out range is increased to between $230,000 and $240,000, up from between $218,000 and $228,000.

那如果income 超過了 $240,000， after 401K max, 應該就不能再放 traditional IRA and then convert to Roth IRA? 

居士， 你這樣的收入，咋麽可以再 放 $7500 IRA？

Thank you!