Today, we are talking about everyone’s favorite topic: the Backdoor Roth IRA. We are answering questions about common mistakes for the Backdoor Roth IRA as well as having a larger discussion around what the Mega Backdoor Roth is, who it makes sense for, and how to make the most of it.

Great job getting started with a Backdoor Roth IRA. It’s a smart move, and just asking detailed questions about the process shows that you’re serious about doing things the right way. The Backdoor Roth IRA is a workaround that lets high-income earners still get money into a Roth IRA even if they earn too much to contribute directly. In 2025, the income limits are $165,000 for single filers and $246,000 for married couples filing jointly. Because of those limits, the strategy involves first making a nondeductible contribution to a traditional IRA and then quickly converting it to a Roth IRA.