Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
And when you take it out in the future, it comes out tax free.
So it's an amazing savings strategy and investment vehicle.
However, as I said before, for high earners, that tax deduction.
That you get for traditional 401 that is super valuable.
So the Mega Bathro Roth allows us to get the benefit of both.
We get the tax deduction for putting money into the traditional 401k.
But then we're also able to get money into the Roth IRA through this mega backdoor Roth.
So it's a way where high earners can get the best of both worlds.
You can get Roth money growing for you, tax-free.
And when you take it out in the future, it's not taxable.
And you can get the tax deduction for the traditional 401k.
I I would say I just want to touch upon one point that you made that's super important is that you have to be able to do the in-plan Roth conversions.
The worst case scenario is you contribute to the after tax portion and you don't convert.
Because what that means is you pay taxes on the money earned, and then you're gonna pay taxes again in ordinary income coming out.
So only do it if you can do the in-plan Roth conversion.
Yeah, so the backdoor Roth IRA is basically a way for high earners to be able to get money into a Roth IRA.
So this is how it works mechanically.
So you put money into a traditional IRA, which the max right now is 7,500, and you have to do what's called an after-tax contribution.
So you're basically telling the IRS, I am not getting a tax deduction for contributing money to this retirement account.
Then you immediately
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