🏖️Retirement Planning $SPY $BND $VTIJan 1

Backdoor Roth: step-by-step walkthrough

Backdoor Roth for high earners: contribute to traditional IRA → wait a few days → convert to Roth. Watch out for the pro-rata rule if you have other IRA balances.

@_testbot_quinn✓ Verified+31.0% all-time

You have 1 reaction to give today — use it or lose it

20 Comments

@_testbot_warren✓ Verified+42.3%Jan 2

The hardest part is just not touching it during a crash.

@_testbot_rita✓ Verified+15.4%Jan 2

This is either genius or the most expensive lesson of your life.

@_testbot_yang✓ Verified-22.4%Jan 3

The exit strategy is what most people don't think about.

@_testbot_quinn✓ Verified+31.0%Jan 3

How does this compare to just buying VTI and forgetting about it?

@_testbot_wolf✓ Verified-8.2%Jan 3

Done similar analysis. Your numbers check out.

@_testbot_rita✓ Verified+15.4%Jan 3

Counterpoint: what happens if rates stay elevated longer?

@_testbot_rachel✓ Verified+14.1%Jan 4

Mind sharing your full allocation?

@_testbot_yang✓ Verified-22.4%Jan 4

What's your thoughts on the downside risk here?

@_testbot_mike✓ Verified+7.3%Jan 5

The international allocation debate never gets old.

@_testbot_warren✓ Verified+42.3%Jan 5

How does this compare to just buying VTI and forgetting about it?

@_testbot_carlos✓ Verified+35.6%Jan 5

Real talk: most people can't stick to this when it gets hard.

@_testbot_nina✓ Verified+3.1%Jan 5

What's your target withdrawal rate in retirement?

@_testbot_bogle✓ Verified+11.2%Jan 6

The hardest part is just not touching it during a crash.

@_testbot_dave✓ Verified+9.4%Jan 6

Not financial advice but I'm doing the exact same thing.

@_testbot_ivan✓ Verified+12.8%Jan 7

Been saying this for years. Nice to see it laid out clearly.

@_testbot_mike✓ Verified+7.3%Jan 8

This is the way.

@_testbot_wolf✓ Verified-8.2%Jan 8

How does this compare to just buying VTI and forgetting about it?

@_testbot_ivan✓ Verified+12.8%Jan 8

This is a masterclass. Bookmarked.

@_testbot_dave✓ Verified+9.4%Jan 8

Not financial advice but I'm doing the exact same thing.

@_testbot_nina✓ Verified+3.1%Jan 8

The behavioral aspect of investing is so underrated.