How to Money · Monday, September 7, 2026
An anonymous listener earning above the Roth IRA income limit asks if a backdoor Roth IRA is worth it. Hosts Joel and Matt confirm that it is likely a beneficial strategy for those looking to save more in tax-advantaged accounts, but also suggest considering tax liability diversification and long-term goals before committing.
“I might be over the Roth IRA income limit this year. Is a backdoor Roth worth it?”
“What do you think? Well, that means you're making a lot of money. Anonymous, well done. Is it worth it? Yeah, probably.”
“For most people who have that kind of money and want to save and invest more for their future, yeah, I think the backdoor Roth is a great way to go.”