The tax-free accumulation is the obvious attraction. But it comes with a relatively high administrative burden: Each year’s contribution has to be created as a separate Roth IRA account, meaning that if you make contributions for the next 20 years, you’ll be juggling 20 separate Roth IRA accounts.
谢谢，ChatGPT也是像你这样说的。孩子已经有Roth IRA account. 我的理解只需再开个TIRA 就应该可
以做Backdoor Roth IRA了。以后不需要再开。
You can perform a Backdoor Roth IRA by transferring non-deductible contributions from a Traditional IRA to an existing Roth IRA. It doesn't have to be a new Roth IRA. The process involves making a non-deductible contribution to a Traditional IRA and then converting that amount to a Roth IRA.
今天手机的google页面推了一篇有关Backdoor Roth IRA 的文章，其中有下面这么一段话，说每年需要一个新的Roth IRA account. 我问了ChatGPT，又说不需要。是我对下面的话理解有误吗？ 谢谢。
https://www.kiplinger.com/retirement/how-a-backdoor-roth-ira-works-and-drawbacks
The tax-free accumulation is the obvious attraction. But it comes with a relatively high administrative burden: Each year’s contribution has to be created as a separate Roth IRA account, meaning that if you make contributions for the next 20 years, you’ll be juggling 20 separate Roth IRA accounts.
以做Backdoor Roth IRA了。以后不需要再开。
You can perform a Backdoor Roth IRA by transferring non-deductible contributions from a Traditional IRA to an existing Roth IRA. It doesn't have to be a new Roth IRA. The process involves making a non-deductible contribution to a Traditional IRA and then converting that amount to a Roth IRA.