What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?

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That’s why it’s called “back door.” It’s a legal loophole inserted to benefit a certain demographic / “special interest.”


There used to be a hard limit with no backdoor. I believe the backdoor opened in 2010. They have tried to get rid of backdoor several times, most recently with BBB. I think it is a glitch that no one thought about in 2010 and is seen by many as a benefit to only the rich, depending on your definition of rich.

That's why it's called backdoor. It's a loophole that could be closed in the future.

You do get dinged if you have other traditional IRA balances which I would think a good majority do.

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