{ "media_type": "text", "post_content": "I recently got a new job that now exceeds the $129,000 limit to be qualified for roth IRA. The company confirmed they have traditional and roth 401k, but do not support any other backdoors. Is my best bet here then to roll over from Roth IRA into Roth 401k, or keep the IRA as is but not invest more?\n\nGoal right now is to save as much as I can and max out within 3y for marriage/kids (been already maxing out 401ks throughout career, and recently HSA until the new job, in which I will have an FSA)", "post_id": "6107eb24c449d20022c8ed78", "reply_count": 6, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I recently got a new job that now exceeds the $129,000 limit to be qualified for roth IRA. The company confirmed they have traditional and roth 401k, but do not support any other backdoors. Is my best bet here then to roll over from Roth IRA into Roth 401k, or keep the IRA as is but not invest more? Goal right now is to save as much as I can and max out within 3y for marriage/kids (been already maxing out 401ks throughout career, and recently HSA until the new job, in which I will have an FSA)

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keep IRA and do a backdoor Roth. plenty of resources online and even your own IRA provider will walk you through it.

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401k and 401k Roth goes into the same place and share the 19.5 max.

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Roth 401k has no limit. You can do the 19.5k direct. For your income, Trad IRA > Roth IRA backdoor is fine. Up to 6k. Your company confirmed they don’t do megabackdoor bc they don’t have an after tax with in-service withdrawal. That doesn’t impact the first two, but also means the third limit bucket isn’t available.

1. Deposit money into the Traditional IRA 2. Transfer money from Trad to Roth IRA 3. Invest. Sounds silly, like why does the Roth income limit even exist, when one can use this 3-step back door?

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