How do our pre-tax money into a traditional IRA (to then back-door Roth it) if my employer doesn’t have a traditional IRA option?

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Backdoor Roth has nothing to do with your employer. IRA is an individual account.


No employer has a traditional IRA option. The I stands for individual. IRAs are not employer plans. 401k is an employer plan for example. Open an IRA at a brokerage and do as you describe


Just be mindful that although anyone can open a traditional IRA, you may not get the deduction depending on your adjusted income. Thus, the reason for the backdoor ROTH anyway.

It sounds like you might be thinking of a mega back door Roth IRA which is where you contribute post tax dollars to your 401k and roll them into your Roth.

Like other said above, back door is done on your own with whatever brokerage you use.

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