Next up, we've got one from Brian D.

He says, my wife and I are approaching the income cap for contributing to our Roth IRAs.

What bucket should we invest our money into instead to prepare for starting a backdoor

Roth strategy in the future? Love it. Love it, love it, love it. All right. So this is a little bit,

it's difficult to answer your specific question without knowing your account structure. I'll tell

you anecdotally what we think about for a number of our clients. Because what we don't want you doing is if you are someone who was contributing to a Roth

on a monthly basis and you say, man, I am now at the point to where I think my income

might be over the limit and I don't want to do the thing where I put money in my Roth, I

get through to the new year, and then I'll get my W-2 and I'm like, oh, crud, we were over the limit.

So now I've got to go back in time. I've got to undo all those contributions I made.

Not only have to pull up the money I put and I have to pull out any applicable earnings.

And when I pull out those earnings, they're going to be subject to ordinary income tax as well as penalty.

If I'm under 59 and a half, it might be better to just not have to do that. So I'm not going to

contribute monthly to my Roth anymore. So does that mean I just stop saving that money? No,

not at all. Most often what we tell our folks to do is instead of dollar cost averaging inside

of your off IRA, there's nothing wrong with dollar cost averaging

inside of an after tax brokerage account. So if you were saving the, okay, I don't remember

the math in my head, is it $583? Is that what it takes to Mexico out of Roth? I'm going off

memory here. Yeah. $583 a month. Instead of doing that inside of your Roth, now you shift it

to go into your after tax account and you can just buy a low-cost index fund.

Now, the thing they have to think through is, okay, if I'm doing that and the intent is that those

dollars will ultimately flow into my Roth, am I going to be okay triggering capital gains

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