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In the season finale of my Roth IRA Mastery Course, I’m breaking down one of the most powerful advanced Roth strategies available to high-income earners: the Mega Backdoor Roth 401(k).
If you’re already maxing out your 401(k) and looking for ways to put significantly more money into Roth accounts, the Mega Backdoor Roth could allow you to move up to $72,000 per year into Roth under the 2026 limits. I’ll show you how the strategy works, where the after-tax contribution fits in, and the important requirements you need to understand before implementing it.
In this episode, I’ll cover:
-How the Mega Backdoor Roth works inside a 401(k)
-How you can potentially reach $72,000 in Roth dollars in 2026
-The difference between Roth, Traditional, and after-tax contributions
-How the strategy works with a corporate 401(k)
-How self-employed individuals can use a Solo 401(k)
-The two ways to convert after-tax contributions into Roth
-The key plan requirements you need to have in place
-Common mistakes, including confusing after-tax contributions with Roth deferrals
-Who this strategy is best suited for, including high-income W-2 earners and self-employed business owners without employees
-I’ll also show you how the Mega Backdoor Roth can be stacked with a separate Backdoor Roth IRA, potentially allowing you to get $79,500 of Roth money in a single year under the 2026 limits.
This is an advanced strategy, but understanding the rules can open up a significant opportunity for building long-term, tax-free wealth. I’ll walk through the numbers, the process, and the potential pitfalls so you can better understand whether this strategy makes sense for you.
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