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Understanding the Backdoor Roth IRA For many high-income earners, a Roth IRA seems out of reach. The IRS places an income limit on direct contributions to a Roth IRA, which means that once your modified adjusted gross income (MAGI) exceeds a certain threshold, you cannot simply contribute to one. However, the backdoor Roth IRA method offers a legal workaround. By making after-tax contributions to a traditional IRA and then performing a conversion to a Roth IRA, you can sti