It's Brian Preston, the money guy restoring order to your financial chaos, retirement,

investing, taxing. You've got financial questions. He's got financial answers. It's Brian Preston,

the money guy. Brian Natasha asked this next one. This is what she said. She said,

over the income limits for a Roth IRA, should I put $6,000 into my Roth 401K and then max out

the rest of my 401K with the traditional option. I can't do Roth. I do $6,000 there and then I do

the rest. Two things I'd love to hear you speak on if you would. How does one decide whether they

should do pre-tax or Roth when it comes to their 401K? If you are someone who determines pre-tax

but you're over the Roth limit, are there other ways that you could potentially get money into the

Roth bucket? Are there other strategies you can employ? Natasha, hopefully, in what bow the low

lying fruit because I love saying, let's do both. The low lying fruit is the first because they

haven't gotten rid of it yet. Is to see if a backdoor Roth conversion strategy would work.

Because there is a way, if you make too much money to contribute directly into a Roth,

that you could make your money with an after-tax traditional IRA contribution and then convert it

into a Roth IRA. The only way you can do this though is if you don't have a lot of other IRA assets.

If you've got a rollover, a Sep IRA, a simple IRA, really the only IRA that doesn't hurt you

is an inherited IRA. You might have problems and realize also spouses can be different. You might

have a big rollover IRA but your spouse has none. No other IRA. Maybe the spouse can do a Roth

conversion strategy but you can't. Pay attention to that. That's the first thing because maybe the

answer is both still but you have to do a little extra work in planning to do a backdoor Roth.

When people don't have, let's just assume you can't do the backdoor Roth conversion strategy.

Now you're like, man, I hate to walk away from that tax-free growth. It does become a little more

nuance and this is what you do. I hate to because it all roads point to that abundant cycle. This is

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