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If you have no current traditional Ira balances, just fully fund a traditional Ira and immediately convert to Roth
Rising Star
That’s what I was thinking. I already have an empty IRA with Fidelity (where my Roth is) that I has opened as a hedge against this case. I’ll just do that then just to be on the safe side.
I had the same situation for the past couple of years. The first year I calculated Roth vs Backdoor and split my contributions. After that, realized contributing 100% to trad then immediately converting to Roth is much easier
In the same boat. I do traditional and then convert to play it safe
Backdoor only works tax free if you have no traditional Ira balances