{ "media_type": "text", "post_content": "Does it make sense to do a mega backdoor into a Roth IRA if I already maxed out my $6k into Roth IRA AND my firm offers Roth 401k option? Thanks!", "post_id": "614e0dd4093dbf002259f583", "reply_count": 2, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Does it make sense to do a mega backdoor into a Roth IRA if I already maxed out my $6k into Roth IRA AND my firm offers Roth 401k option? Thanks!

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It’s a separate limit, so more money saved in a way that can’t be taxed ever again is good if you can afford it.

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If you have enough to do it sure. I thought most had after tax or Roth 401k but not both. If you have both and can afford it, I can’t see any downside.

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