How to Make a Backdoor Roth Contribution

A backdoor Roth contribution would have you make a non-deductible contribution to your traditional pre-tax individual retirement account and then do a conversion of that same amount to your Roth IRA. There isn't an income limit where you can't do Roth conversions, so it doesn't matter how much money you make. The big one is something called the pro-rata rule which will apply if you've already contributed on a pre-tax basis or rolled over a 401k to an IRA.

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