On my tax filings for 2025, I only made $80k on paper because I only worked half the year since I graduated school in May, which would qualify me for the Roth IRA.

However, starting next year, I won’t qualify for the Roth IRA because my total compensation will be over $200k with bonus included.

If I can only contribute to a Roth IRA for one year, is it even worth it for me to open an account to have the option to do a backdoor in the future, or should I just contribute to a traditional IRA fr

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Max the Roth out even if you need short term debt to do it.

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even if you can only contribute a limited amount to a roth IRA, unless the entire economy flips on its head, it obviously will appreciate in value over the course of your career. and the tax benefits of that are worthwhile.

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Back door is very easy.
Your tax bracket is also low, so Roth is better than Traditional
You can also withdraw Roth contributions tax free at any time
You seem confused. Dont overthink it

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I know the one year contribution doesn’t seem like a lot but that will grow over time into something meaningful.

Besides that, yes you will want to have it to roll 401K’s into. As you change jobs it’s easier if you have less accounts to manage

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i need someone for chickbook i have some logs with me if you are interested you can reply my comment

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