Скачать или смотреть How to Use the Backdoor Roth Trick in 2025!

Want a clear, 2025-specific plan to get Roth access when you’re over the limit or expand Roth space beyond an IRA? This shows when to use the Backdoor Roth vs the Mega Backdoor Roth, and how to keep it clean.

You’ll learn:
• 2025 Roth IRA phase-outs: Single $150k-$165k; MFJ $236k-$246k (why many need a workaround)
• Backdoor Roth basics: nondeductible Traditional IRA → Roth conversion, plus pro-rata and Form 8606
• Mega Backdoor requirements: plan must allow after-tax 401(k) contributions and in-plan Roth conversion or in-service rollover
• Capacity math: §415(c) $70,000 total additions in 2025 (deferrals + employer + after-tax); age-50 catch-ups sit on top under §414(v)
• Clean split rule: Notice 2014-54-send after-tax to Roth IRA, pre-tax to Traditional IRA
• Quick decision guide: Phased out of Roth IRA? Use Backdoor. Plan supports after-tax + in-service? Consider Mega. If offered, Roth 401(k) has no income limit.

Disclosure: Educational only-not tax, legal, or investment advice. Confirm 2025 IRS rules and your plan documents; features vary by employer.

#rothira #BackdoorRoth #MegaBackdoorRoth #401k #personalfinance