Can someone help me figure out if it’s worth trying to max mega backdoor roth in my situation? My base is 105k, so I can afford to max 401k IRA HSA, but to max MBR id have to live off bonuses/RSUs and basically hold almost all my base for the 401ks

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I haven’t yet invested my bonuses so I have enough to cover the next 12 months of living expenses in cash if I wanted to rather than put it in my brokerage.

The other option is just putting in 500 a paycheck into mega backdoor instead of maxing it as that would allow me to still use my base for rent/groceries.

I don't think you need to max mega backdoor to get value out of it.

How certain are your bonuses? Do you have other shorter term goals where you'll need access to some of your savings earlier (eg house, wedding, car, go back to school)? Can you pull some of your IRA penalty free if you are pumping most of your salary into MBD and later need the funds?

Thanks! My bonuses are certain as they’re already in my bank account and can cover 12 mo expenses including emergencies. My options were to either invest that next week into the market via my brokerage Acc, or just leave it in checking acc and turn my mega backdoor contribution up a ton to max it out next year

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