Backdoor roth rules clarification

Backdoor roth rules clarification So far due to post-graduate training my SO and I have been at income levels we could contribute directly to Roth IRA and have done so. This year I transitioned from post-grad training and income increased from 35k to 142k in August. SO makes 110K so we will be beneath income limits this year but will be over limit next year. Unfortunately SO emp...

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