Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

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Already did it. They won’t make it retroactive and probably wouldn’t even have it start midyear.

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I’m waiting. I typically do mine towards the later part of the year in any event (did 2021 in December).

I think there’s two likely choices: 1) Effective date of January 1, 2023 (85%) or 2) January 1, 2022 (15%).

They aren’t going to split the year.

Oh no. I generally do the rollover component then.

Edit: more precisely I do it twice a year in June/July and then December. I’m too lazy to do it more frequently.

What companies do you work for. I am pretty sure EYs plan (fidelity) doesn't allow for this

Yes it’s never a custodian issue. It’s whatever your employer’s plan allows.

I tried to cancel post tax contributions before my 12/31 paycheck but I waited too long so I guess I'm in for 2022 as well for with a paycheck. My "match" is not tied to contributions so I'll max out traditional between now and the fall then revisit MBDR if it hasn't been shut down by then.

I hit it hard with 50% of my paycheck for the last few months of 2021 assuming that would be my only chance to do it before it was eliminated but can't/shouldn't keep up that intensity going forward.

Accelerating to get it in before any tax law changes.

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