form 8606
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Backdoor Roth IRA: Step-by-Step Guide (2026)
Read more: Backdoor Roth IRA: Step-by-Step Guide (2026)Income too high for a direct Roth IRA? The backdoor Roth opens the door for high earners at $7,500 a year in 2026 ($8,600 if you’re 50+). This guide walks Fidelity, Vanguard and Schwab step-by-step, runs the pro-rata math, and breaks down Form 8606 line by line.
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