Roth IRAs are a secret weapon for tax free wealth in self-directed IRAs, but until the last decade, not everybody could have a Roth IRA. With Roth IRAs being more accessible, people are still told they make too much to have one. WRONG! Check out this video that goes over what we call a “Back Door Roth IRA” that allows even people who “make too much to have a Roth” can have one!
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Great video, please I would like to know to contribute to my Roth it should be from the total gross income or total net income.Ty
What if I had a great 2020 and was over the limit but 2019 and prior, and 2021 and likely beyond, I’m back below the income limits? Am I ok if I just don’t contribute in 2020 and return to normal in 2021? Thanks!