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project home for https://multifol.io/ -- tools to plan Annual Savings and Track your Portfolio
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handle roth advice better as you get close to limit #76

Open rrelyea opened 1 year ago

rrelyea commented 1 year ago

from discussion in forum at https://www.bogleheads.org/forum/viewtopic.php?p=7127462#p7127462: fiveK:

But for those over or even close to the Roth contribution limit, and without significant (up to the user to define) non-Roth IRA balances, just using the backdoor process is a good idea. That avoids the need to recharacterize if they make a direct contribution and later find that their AGI is too high.