backdoor， “There are no income or contribution limits ”
Backdoor Roth: A strategy for people whose income is too high to be eligible for regular Roth IRA contributions. You simply roll money from a traditional IRA to a Roth. There are no income or contribution limits — that is, anyone can convert any amount of money from a traditional to a Roth IRA. But you risk a hefty tax bill on the rollover if you have pretax money — either contributions you’ve deducted or investment earnings — sitting in any traditional IRAs, thanks to the IRS’ pro-rata rule.
短租算business venture that you actively participated in？
“Active income is income received from a job or business venture that you actively participated in. Examples of active income include wages, salaries, bonuses, commissions, tips, and net earnings from self-employment.？
纯粹多一句话而已。
看到有ID退休了， 还在说， 今年要研究一下， 放 roth
Backdoor Roth: A strategy for people whose income is too high to be eligible for regular Roth IRA contributions. You simply roll money from a traditional IRA to a Roth. There are no income or contribution limits — that is, anyone can convert any amount of money from a traditional to a Roth IRA. But you risk a hefty tax bill on the rollover if you have pretax money — either contributions you’ve deducted or investment earnings — sitting in any traditional IRAs, thanks to the IRS’ pro-rata rule.
roth 可以遗产给孩子
争取赚个万把块钱.. 我想投入Roth
“Active income is income received from a job or business venture that you actively participated in. Examples of active income include wages, salaries, bonuses, commissions, tips, and net earnings from self-employment.？
You need to be careful. Because when IRA calculate the pretax, it includes all of your IRA accounts. You could end up with a big tax bill.
It is simply too complicated to me. Lol...
If your employer offers Roth 401k, just contribute to that. When you move another job, move to Roth IRA.
也可以先算算命，看看哪一年会发生上述情况，提前准备
最好是有一笔ira。 马上就转成roth ira， 这样， prerate就没有了。
也就是说， 你的钱， 全在 401k， roth 401k， 那么， irs 定的那个 每年7000 就应该放， 放好后， 马上转。这样， 你就没有ira的钱。
等你决定退休了， 你也不做backdoor了， 那么， 就平移。
401k --》 IRA
roth 401k --》roth ira
然后就可以慢慢转， 提钱， 按你的交税篮子来决定
roth 401k 去roth ira
平移就行。
啥时候转， 或自己拿钱出来， 按自己的税率安排
大不了是prerate的问题
IRS为啥给你限制， 就是不让你多逃税啊。
你这钱是余下的钱， 你放个人账号去投资， 盈利就要交税的。
而同样这钱， 在roth里就不要交税。
假如退休后， 自己认为自己退休后税率低的， 那么， 现在没必要放 roth 401k， 而是要用税前的好处， 放 401k