Backdoor Roth: step-by-step walkthrough
Order of operations: 401k to employer match → HSA max → Roth IRA max → 401k max → backdoor Roth if needed → taxable brokerage. This order optimizes for tax efficiency.
69 Comments
The behavioral aspect of investing is so underrated.
Done similar analysis. Your numbers check out.
The hardest part is just not touching it during a crash.
Curious about the rebalancing approach. Annual or threshold-based?
This is a masterclass. Bookmarked.
The fee math always surprises people when you actually do it out.
How long have you been doing this? Impressive numbers.
Counterintuitively, the best time to buy is when you're most scared.
How long have you been doing this? Impressive numbers.
The psychology of money matters as much as the math.
This is exactly what I needed to read today.
This is the post I needed. Exactly my situation.
How did this perform during the 2022 drawdown?
The psychology of money matters as much as the math.
Good luck! Keep us updated.
Fees really do compound in the wrong direction.
Appreciate the transparency here. Most people gatekeep this stuff.
The hardest part is just not touching it during a crash.
I respectfully disagree. The data suggests otherwise.
This is exactly what I needed to read today.
How long have you been doing this? Impressive numbers.
Been saying this for years. Nice to see it laid out clearly.
Counterpoint: what happens if rates stay elevated longer?
I was skeptical at first but this changed my mind.
Done similar analysis. Your numbers check out.
This is either genius or the most expensive lesson of your life.
The compounding at year 20+ is when it gets really wild.
Appreciate you sharing the L's too. Most people only post wins.
Counterintuitively, the best time to buy is when you're most scared.
Done similar analysis. Your numbers check out.
This is a solid framework. Saving this post.
The fee math always surprises people when you actually do it out.
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
Been saying this for years. Nice to see it laid out clearly.
Not financial advice but I'm doing the exact same thing.
What catalyst are you watching for?
FIRE community is the most underrated corner of personal finance.
Exactly. The sequence-of-returns issue is severely underappreciated.
How long have you been doing this? Impressive numbers.
How did this perform during the 2022 drawdown?
I respectfully disagree. The data suggests otherwise.
Real talk: most people can't stick to this when it gets hard.
The behavioral aspect of investing is so underrated.
The international allocation debate never gets old.
Counterintuitively, the best time to buy is when you're most scared.
I respectfully disagree. The data suggests otherwise.
The behavioral aspect of investing is so underrated.
This is why I come to this community. Real numbers, real analysis.
Good luck! Keep us updated.
Have you stress tested this against a 40% drawdown?
What's your target withdrawal rate in retirement?
Appreciate the transparency here. Most people gatekeep this stuff.
The math here is solid. This is what people miss.
Interesting perspective. I see it differently — happy to elaborate.
Appreciate you sharing the L's too. Most people only post wins.
Exactly. The sequence-of-returns issue is severely underappreciated.
I've been thinking about this too. What's your time horizon?
Good luck! Keep us updated.
This is the way.
This is a solid framework. Saving this post.
The psychology of money matters as much as the math.
The hardest part is just not touching it during a crash.
Counterintuitively, the best time to buy is when you're most scared.
I respectfully disagree. The data suggests otherwise.
I've been burned by this before. Your caution is warranted.
The hardest part is just not touching it during a crash.
How does this compare to just buying VTI and forgetting about it?
The compounding at year 20+ is when it gets really wild.
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