Backdoor Roth IRA Explained (2026) | Step-by-Step + Pro-Rata Rule Mistakes

Описание: If you earn too much to contribute directly to a Roth IRA, the Backdoor Roth IRA may be one of the most powerful — and misunderstood — retirement strategies available. In this video, we break down exactly how a backdoor Roth IRA works, who should use it, who should avoid it, and how to do it step by step without triggering unnecessary taxes.

You’ll learn:

What a backdoor Roth IRA really is (and why it’s 100% legal)

How high-income earners can access Roth tax-free growth

The pro-rata rule explained in plain English (the #1 mistake people make)

How existing traditional, SEP, or SIMPLE IRAs affect your conversion

How to properly report a backdoor Roth using IRS Form 8606

When to contribute and convert (same day vs different years)

How backdoor Roths fit into a long-term tax and retirement strategy

Backdoor Roth vs Mega Backdoor Roth — key differences

Common mistakes that can cause surprise tax bills

When a backdoor Roth may not be worth it

This strategy isn’t a loophole or a gray area — it’s built directly into the tax code. When done correctly, a backdoor Roth IRA can provide decades of tax-free growth, reduce future RMDs, help with Medicare IRMAA planning, and add valuable tax diversification to your retirement plan.

However, it’s not right for everyone. That’s why this video focuses on clarity, structure, and real examples, so you can decide whether a backdoor Roth actually improves your financial picture.

📌 Important note: This video is for educational purposes only and does not provide financial or tax advice. Always consult a qualified professional regarding your specific situation.

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