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If you’re a high-income earner (over $150,000 single or $236,000 married), you might think Roth IRAs are off-limits. But there’s a legal workaround: the Backdoor Roth IRA. In this video, I break down how to use an IRA to contribute to a Roth, even if your income is too high for direct contributions. You’ll learn: ✔️ How the backdoor process works ✔️ Why it's *usually* tax-free ✔️ What to watch out for with the IRS pro-rata rule #BackdoorRothIRA #TaxFreeGrowth #FinancialPlanning #HighIncomeStrate
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