Suze Orman

Did that make sense?

So here's how I would do it if I were you.

I would actually right now roll all of your money from your traditional IRA into your traditional 401k at work.

Done.

You don't have anything now at all.

in a traditional IRA.

I would then fund a non-deductible IRA and I would absolutely do what with it?

I would convert it to a Roth right away and you are fine.

That's how you do a backdoor.

Now, do you have to do it all at once?

No.

You could do little by little by little as long as all the money in the traditional IRA is out by the end of this year, December 31st, just so you know.

But just don't play around.

Just do it all at once and then do the backdoor Roth.

Okay, KT.

Now, I won't get too mad at you because you've only been listening to me for a year.

But don't you think, Nicole, you'd rather take advice from somebody like me than this idiot who gave you the advice to do the 457B number one?

All you are making right now is $41,500 a year.

that will put you in one of the lowest income tax brackets out there.

Why in the world would you do a traditional 457 to simply save money on taxes, which will be very little?