re: Roth IRA income limit

quote:

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The tricky part with backdoor is you have end up with the pro rata rules which take into account all non Roth monies. You can’t pick and choose which dollars. It’s a percentage or you can do all at once, which might not make sense. It’s a PITA

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It's literally one of the easiest retirement things to do.

Contribute $6,000 into your traditional IRA's money market.
It will take a day or two to season.
Click the convert to Roth IRA button.
Direct the $6,000 into the Roth IRA's fund of your choice.

That's it.