traditional IRA | 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 waters seedlings in two garden beds marked Traditional and Roth, illustrating the choice between paying tax now or later on retirement savings

Roth vs Traditional: How to Decide When You Pay the Tax

Traditional or Roth? The real question is when you pay the tax. Here's the math, what points the answer one way or the other, and how it applies to your 401(k) and IRA.

Wealth Building

Elizaveta Shafir

Sep 2710 min read

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

Roth vs Traditional: How to Decide When You Pay the Tax

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