Two routes to a Roth IRA: the high-earner’s guide.

Backdoor or mega backdoor? Over the income limit and not sure a Roth is even open to you? This guide maps both routes — and the pro-rata “pot test” that quietly costs high earners thousands. Written by a PhD economist, not a product salesperson.

Inside the free guide

• The two legal routes to a Roth IRA when your income is above the limit
• Worked case studies showing a $0 tax bill vs. a $2,561 mistake — same facts, one difference
• The IRA “pot test” explained plainly, plus the fix that clears it
• The mega backdoor route to as much as $72,000 into a Roth — if your plan allows

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