12/10/2025
๐ธ High earners: You might be missing the biggest Roth opportunity in the tax code.
A Mega Backdoor Roth lets you move up to $70,000 into a Roth account in 2025 ($72,000 in 2026) โ even if youโre over the income limits for a regular Roth IRA.
Hereโs why it matters:
โก๏ธ Regular Roth IRA limit (2025): $7,000
โก๏ธ Mega Backdoor Roth potential: Up to $70,000
โก๏ธ No MAGI restrictions. No phaseouts.
โก๏ธ Massive tax-free compounding for retirement.
Most people never hear about it because your 401(k) has to allow after-tax contributions + Roth conversions, and many plans donโt have this feature.
If your plan does allow it, youโre sitting on one of the most powerful tax tools available.
If you want to know how much you can contribute based on your compensation โ I can help you run the numbers.
๐ฉ DM me โROTHโ or tap the link in bio to schedule a meeting.
McMichael CPA โ Your key to tax savings.