The BBB legislation packed another double whammy specifically for Roth accounts. Starting in 2022, the bill had proposed to end so-called non-deductible backdoor and mega backdoor Roth conversions. Regardless of income level, you’d no longer be able to convert after-tax contributions made to a 401(k) or a traditional IRA to a Roth IRA.
An additional rule had aimed to prevent Roth conversions of any kind made by anyone making more than $400,000, or any couple making more than $450,000, by 2032.
Actually this is better than marginal as you could set up tax rate any way you want like adding a persentage for your state tax. On the other hand it would need more specific input to simulate your situation.
问个问题， 换工作， 已经把以前的401变成IRA了， 这个IRA convert to roth, 也要被back door Roth IRA conversion 限制吗？
谢谢
差不多就好
不放心就找专家吧
有太多你不能控制的事情
一方面，Trump tax cut到2025结束，税率可能上升，所以要做ROTH conversion，最好2025以前做。
另一方面，有人说税能不交就不交，为什么要conversion提前把税交掉。对着这样说法我也没有很好的回答。
https://www.forbes.com/advisor/retirement/congress-to-end-backdoor-roth-conversions/
BBB Would Have Tamped Down on Roth ConversionsThe BBB legislation packed another double whammy specifically for Roth accounts. Starting in 2022, the bill had proposed to end so-called non-deductible backdoor and mega backdoor Roth conversions. Regardless of income level, you’d no longer be able to convert after-tax contributions made to a 401(k) or a traditional IRA to a Roth IRA.
An additional rule had aimed to prevent Roth conversions of any kind made by anyone making more than $400,000, or any couple making more than $450,000, by 2032.
不要提美国建国时间的税率
Both are free software inculding detailed Roth conversion strategies as well as other major parameters for retirement planning.
Roth conversion is under "Additional Inputs" then "Cashflow Type".
Actually this is better than marginal as you could set up tax rate any way you want like adding a persentage for your state tax. On the other hand it would need more specific input to simulate your situation.