Anonymous
12/02/2025 15:51
Subject: Mega back door Roth or Traditional Investment
We do:
401(k) pretax + catch up for two spouses
Employer match for both of us
Mega backdoor Roth 401(k) for one eligible spouse
Two backdoor Roth IRAs
One family HSA
Two spouse max I-bond contributions
Taxable investments with anything left
401(k) pretax + catch up for two spouses
Employer match for both of us
Mega backdoor Roth 401(k) for one eligible spouse
Two backdoor Roth IRAs
One family HSA
Two spouse max I-bond contributions
Taxable investments with anything left
Anonymous
12/01/2025 22:27
Subject: Mega back door Roth or Traditional Investment
If you have the option of a mega back door Roth not sure why you wouldn’t max that out before pursuing other taxable investments?
My current employer allows for the mega back door option so for the last few years I’ve contributed the remaining ~35k allowable to a Roth IRA via mega back door after maxing out my 401k contributions with an employer match.
My current employer allows for the mega back door option so for the last few years I’ve contributed the remaining ~35k allowable to a Roth IRA via mega back door after maxing out my 401k contributions with an employer match.
Anonymous
12/01/2025 21:27
Subject: Mega back door Roth or Traditional Investment
There are specific qualifications to do a back door roth. You can do a few thousand in a traditional roth and invest or save the rest.
Anonymous
12/01/2025 21:26
Subject: Mega back door Roth or Traditional Investment
After you've maxed out your 401K, where do you invest additional money?