The Backdoor Roth IRA Blueprint

Earn too much for a normal Roth IRA? The Backdoor Roth gets you in. It's legal, and you can do it every year. This guide shows you each step, including how to dodge the pro rata trap and file Form 8606 the right way.

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About 10% of what one hour with a CPA costs.

Get $7,500 into your Roth IRA this year, even if you earn too much to contribute directly.

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This is for you:

You earn over the 2026 Roth IRA income limit
You already have a Roth IRA
You want to keep investing in your Roth IRA

This isn't for you:

You earn under the 2026 Roth IRA income limit (just contribute directly, you don't need this)

The move is simple. The mistakes aren't. Get the pro rata rule, Form 8606, or timing wrong and a $0 tax bill becomes a real one. You won't know until you file. This guide keeps you clear of every trap.

The Backdoor Roth IRA Blueprint

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What's inside

Have You Made Too Much Money?
Before You Start
The Pro-Rata Rule
Recharacterization
The Backdoor Method
The 6-Step Walkthrough
IRS Form 8606 Walkthrough
Common Mistakes To Avoid
Frequent Asked Questions
The One-Page Cheat Sheet
The 10-Year Action Tracker

Reader Reviews

"I completed my first backdoor Roth last month and it was great to know I was doing it correctly. The cheat sheet will be great to reference in the future."

"The backdoor walkthrough alone saved me hours of research and probably a few thousand in taxes over the next decade."

"I used the Backdoor before but this was a good reminder. Thanks"

"It's helpful having everything explained in one place. Solid guide!"

"It explained everything I needed to do. Worth the buy."

"I appreciated the detail that was put into the information. It felt like there wasn't anything missing and it answered all of my questions I didn't know I had"