Backdoor Roth IRA Explained: How High Earners Avoid Income Limits

Retire Smarter by Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

Backdoor Roth IRA explained (2026): how high-income earners can legally contribute to a Roth IRA, step-by-step, and avoid the pro-rata rule tax trap. If your income is too high to contribute directly to a Roth IRA, the B...View more