IRA contribution limits 2026 | Intentional Money

The Backdoor Roth IRA: Why I Use It and How It Works, Step by Step

Income too high for a Roth IRA? The backdoor Roth is the legal second path. Here's why I use it, how the mechanics work, and how to file it correctly.

Wealth Building

Elizaveta Shafir

Sep 3012 min read

A woman packs a small plum travel bag tagged Roth IRA beside a much larger plum suitcase tagged Roth 401(k), illustrating the difference between a Roth IRA and a Roth 401(k)

Roth IRA or Roth 401(k)? How They Differ and Which One to Fund First

Roth IRA and Roth 401(k) are both Roth, but the limits, income rules, and access to your money differ. Here's how they compare and how to decide which to fund first.

Wealth Building

Elizaveta Shafir

Sep 2810 min read

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The Backdoor Roth IRA: Why I Use It and How It Works, Step by Step

Roth IRA or Roth 401(k)? How They Differ and Which One to Fund First

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