Does your company’s retirement plan allows mega backdoor roth?

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Yes but still unsure if I’m too broke to do it lol

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Yes, you can take contributions from a Roth account any time without penalty, since you've already paid taxes on those contributions.

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Yes but for whatever random reason, not up to the federally allowed max

Firms would remove it if it causes nondiscrimination testing issues in their plan. That would also be a reason they limit your after-tax contributions to less than the full amount.

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