Backdoor Roth Ira Articles

Backdoor Roth IRA SOP for High Earners

A **backdoor Roth IRA** is a strategy, not a separate account. You make a non-deductible contribution to a traditional IRA, then convert that amount to a Roth IRA. This usually matters when your modified AGI limits or blocks a direct Roth IRA contribution, even though Roth conversions are not income-limited.