re: Back door Roth

quote:

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its way more complicated than that. If you have an existing traditional IRA and it has $$ in it, its hard.

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But if you do not, it's not much more complicated.

Yes, Hawkeye is correct. If you have other traditional IRA accounts, do the research first. If you do not, it's quite simple. Contribute to an after tax IRA and convert immediately after the funds clear. I do it annually.