Is back door Roth IRA worth the trouble? Or should I just sock that money into Roth 401K? Only benefit that I understand for Roth IRA is you don’t have a required minimum distribution at age 72 ...

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Not sure what “the trouble” is with backdoor Roth but don’t think it matters either way. Another benefit with the Roth IRA is that after 5 years you can withdraw your principal if you need it which offers a little more flexibility. If these things don’t matter much to you, I think it’s more of a matter of how much you want to Roth away. You can max your 401k and then contribute additional through a backdoor to be able to get even more tax free growth

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My financial advisor said Roth 401k has more options. But if you may need to pull the money out within the next couple years the Roth IRA might be the way to go. I don’t know your whole financial situation but you can speak to my advisor if you’d like. I can give you a referral so it can be free advice. Best of luck OP

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