Volume 15: The Lockshield Letter
Jan 2, 2026
Episode 7: The Backdoor Roth IRA
The Backdoor Roth IRA Explained
Episode Description
The Backdoor Roth IRA is a strategy designed for people who are no longer eligible to contribute directly to a Roth IRA due to income limits. While higher earners may be shut out of Roth IRA contributions, many can still make Roth contributions through employer-sponsored retirement plans — and the backdoor Roth can help bridge that gap.
In this episode, we break down how the backdoor Roth IRA works, who it’s for, and why it can be a powerful long-term planning tool. With future tax rates uncertain, building tax-free money can provide flexibility and peace of mind in retirement. For those who prepare well and expect to be in a higher tax bracket later in life, minimizing future tax liability could make a meaningful difference.
Recent Podcasts
Tips, advice, and more
Episode 9: Qualified Charitable Distributions
Understanding QCDs
Episode 8: Required Minimum Distributions
RMDs Made Simple
Episode 7: The Backdoor Roth IRA
The Backdoor Roth IRA Explained
Episode 6: Roth Conversions
A Guide for Roth Conversions