a. get rid of all your traditional IRA: move to employer 401K or solo 401K b. contribute to your regular IRA (no income restriction) and then covert it to Roth IRA immediately（meaing asap before it accumulates any interest or profit and do it every year) c. go Mega if your employer allows it. Contribute after tax money into your 401K (some employers allow you to roll out after-tax portion even when you are actively employed. If your 401K is at fedelity, they can even roll your after- tax contribution right after it gets deducted from your paycheck) and roll out aftertax contribution to your Roth IRA.
a. get rid of all your traditional IRA: move to employer 401K or solo 401K b. contribute to your regular IRA (no income restriction) and then covert it to Roth IRA immediately（meaing asap before it accumulates any interest or profit and do it every year) c. go Mega if your employer allows it. Contribute after tax money into your 401K (some employers allow you to roll out after-tax portion even when you are actively employed. If your 401K is at fedelity, they can even roll your after- tax contribution right after it gets deducted from your paycheck) and roll out aftertax contribution to your Roth IRA.
问题是你现在有traditional ira（包括从401转来的rollover iira，不包括roth 401k）么？有的话税务比较麻烦。
then invest everything in TQQQ and 套牢！
赞，最后一句
套牢在165，还以为自己抄了低的飘过
已经有且仅有401k 的rollover ira怎么弄呢？ 如果转成roth税务上也很麻烦吗？现在一次性把税全付了不就行了吗？
问一下
就这么操作，报税的时候加个8606表。
我理解是这样的，如果你目前tranditional IRA里有税前的钱，一般收入在线上的都是从401k里roll出来的，比如说这个钱是五万四，然后你又想用一部分税后的钱弄Roth IRA, 比如六千，当你溜这六千税后钱进roth的时候，你认为这笔钱已经交过税不需要再交了，但在IRS看来你是从税前税后mix的六万IRA里放了六千进去，所以这六千里只有十分一不需要再交税，剩下五千四相当于税前的钱，你就要为他们付税。所以要把tranditional IRA里税前的钱都弄干净了再搞backdoor roth.
当然可以，问题是如果roll over ira数目很大的话，是一笔不小是税，你要衡量一下是不是划算。
明白，谢谢啦
Rollover them to your employer's 401K or create a personal solo 401K and move your traditional pretax ira over without paying any tax.
Roth 每年有6千的限制。BACKDOOR 也有这个限制吗？还是两个加起来最多每年6千？