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Podcast: Retire Smarter
Episode:

Backdoor Roth IRA Explained: How High Earners Avoid Income Limits
Category: Business
Duration: 00:22:29
Publish Date: 2026-04-09 09:00:00
Description: Backdoor Roth IRA explained (2026): how high-income earners can legally contribute to a Roth IRA, step-by-step, and avoid the pro-rata rule tax trap.   If your income is too high to contribute directly to a Roth IRA, the Backdoor Roth strategy is one of the most important ways to still build tax-free retirement income—but it has to be done correctly.   In this episode, we break down:
  • 2026 Roth IRA income limits and contribution limits
  • How the Backdoor Roth IRA works step-by-step
  • How to make a non-deductible IRA contribution and convert it to Roth
  • The pro-rata rule and how it can trigger unexpected taxes
  • How to handle existing Traditional, SEP, or SIMPLE IRA balances
  • When a spousal Backdoor Roth makes sense

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