What’s a Backdoor Roth IRA? Here’s the Secret Entrance
If you make too much money to contribute directly to a Roth IRA, there’s still a way into the party — through the backdoor Roth strategy.
Here’s how it works:
1️⃣ Contribute to a traditional IRA (no deduction if your income is high).
2️⃣ Convert it to a Roth IRA tax-free — because you never got a deduction in the first place.
That’s the backdoor to tax-free retirement growth.
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