re: Spinoff On Roth vs 401K

quote:

---

So that leaves you with just under $10,000 a year to spread into some other retirement accounts. I would personally throw $4,500 each into a Roth IRA. You guys are right at the threshold for income limits, so I think you need to backdoor money into your Roth IRA.

---

A) assuming there is health insurance that has to come out of that gross, $10k is optimistic

B) once the health insurance comes out, their AGI is likely under the limit so no backdoor necessary.