In prep for backdoor Roth, I converted my pre-tax IRA money into a 401k to avoid any pro-rata tax issues. Anyone know if there’s any sort of buffer period I need to wait or am I safe to do back door as soon as that money officially hits the 401k?

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It is based on the traditional IRA balance at end of the year, so you should be good

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No- they’re individual for 401k and IRA. They don’t cross names.

Over limit and under limit apply to both of you filing jointly. Yes, you’d have to backdoor, and yes, pro-rata would apply to her then. But not to you.

helpful

You have to look at yours and hers separately. They are individual accounts and you don’t look at them together. If you have no traditional Ira balances, you can do a backdoor Roth IRA with no issue. If your wife has a balance she would pay pro rata tax if she did. Unless you want to pay tax on her conversion, don’t do that, but you would need to decide whether it makes sense or not. Also, if she is not getting a deduction for her traditional Ira and has been contributing she will have basis which would reduce the sting of the prorata tax. If you have no intention of converting and not getting a deduction, I would not contribute any more to her IRA

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