Vivian | Your Rich BFF
Region: US
Friday 31 July 2026 14:24:15 GMT
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SC :
can you talk about a mega backdoor Roth ira
2026-08-12 11:17:22
0
Gaz :
Don’t forget to max out your HSA to get the triple tax advantage 🤑
2026-07-31 16:44:34
43
Bourbon Phil :
Tell them about the mega backdoor Roth next
2026-08-03 00:57:51
6
Avocado171717 :
Roth makes no sense for 99% of the population ..most people make less income in their retirement years ...so why pay taxes on that money when you make more at 45?
2026-08-02 21:24:44
1
user6910612580276 :
Once I have deposited into my traditional IRA, when should I do the conversion to ROTH. I heard some say as soon as it is cleared and I also heard wait a few moths because of single transaction doctrine
2026-08-02 00:24:24
1
jelespuru :
What is the max per year, $8600?
2026-08-02 03:37:26
0
NextGenCapital :
The part people miss is the pro-rata rule. If you already have pre-tax money sitting in a traditional IRA, the conversion gets taxed proportionally, not just on the new contribution. Worth checking the balance first.
2026-07-31 15:56:44
38
pam.genov :
So, if I open a traditional IRA in August, when would I transfer the money in the ROTH IRA! Would I transfer them in September or do I have to wait a certain period? Someone please advise:)
2026-08-01 18:51:15
4
Tina S 🫧 :
Omg. I am, apparently, rich people!!!!
2026-08-02 00:18:26
4
Mary Neuman :
Simplified - pay income tax now, but don’t pay taxes on the growth ever.
2026-08-01 23:47:27
1
TracieTracieTracie :
You can do it with a 401k as well so long as the contributions are after tax. Roll it over into a regular Ira then into a Roth
2026-07-31 21:33:34
1
Huggybear351 :
I need lessons from you ❤️
2026-08-02 04:12:18
1
user7799642993784 :
I read an article the other day in WSJ about how these early investors in tech/ AI were able to avoid taxes on their now very valuable shares through their Roth and wondered how given the income limitations. this must be it. Thank you!
2026-08-02 14:39:11
1
Simone :
can you discuss what to do with an inherited IRA account? 💕
2026-08-03 20:46:06
0
Gee ❌ :
I didn't realize I was rich!
2026-08-02 16:34:26
1
pelotom14 :
Do one every January. BDR.
2026-08-01 15:50:26
1
Paul Vazquez :
Agreed. Keep posting
2026-08-01 21:42:01
0
Larry T. Carrillo :
Keep creating. You're doing an awesome job!🌟 tiffanymorgan
2026-07-31 15:08:10
8
SubbiPlanner :
the prorata rule would be important to mention
2026-08-02 03:25:03
1
Palms :
Let’s not forget about the prorata rule
2026-08-02 01:07:58
0
Coach Jesse Moore :
Can you also put into your IRA or SEP IRA and get the tax benefit of pre-tax in a high Income year, and in a lower income year, convert and pay taxes and put in your Roth? Then you pay a lower tax rate based on annual income.
2026-08-01 00:28:02
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cagni0417 :
The key point you stated but I think went by really quickly: you pay ordinary income on the money when you transfer it to a Roth but when you take it out you don’t pay tax. So you either pay tax now in the transfer or later if you leave it in a traditional IRA and that’s a gamble on what your income and tax rates will be in the future. Also if you are older transferring these funds you’re not going to have much in gains.
2026-08-01 07:36:13
2
Cecil J. Faulk :
W THERESA IN THE CHAT 🩷 TIFFANY MORGAN
2026-07-31 15:12:35
3
moma😍 :
Hello am single let chat up
2026-07-31 16:14:59
1
FinancialTherapyWithTy :
One thing to note: you do not choose not to claim a tax benefit. The income limits for deductible IRA contributions are actually lower than the income limits for direct Roth IRA contributions (if someone has an employer-sponsored plan). You "pay" for the backdoor because you are not allowed to take the tax deduction in that year; you can make a non-deductible contribution. Otherwise, people wouldn't do the backdoor; they would take the deduction on high taxes now and do a Roth conversion later in low-income/tax years.
2026-07-31 17:42:33
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