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Roth IRA + Backdoor IRA Split for phase out bracket?
Roth IRA + Backdoor IRA Split for phase out bracket? I make 150,000, which is in the reduced bracket for ROTH IRA ($138,000 to $152,999). 1) Can I contribute the limit for ROTH IRA 6500*(1-(150000-138000)/15000)=1300. Then contribute 6500-1300=5200 to traditional (which I'll convert to roth ira immediately). 2) How is different from doing a straight backdoor ira (6500 in traditional, then convert ...
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