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Today's question comes from Alexis in Connecticut.

My husband and I exceed the income limits when it comes to retirement account contributions.

We've heard about the backdoor Roth IRA option, but it seems a bit complicated to manage every year.

Are there simpler alternatives or other strategies we could consider?

I mean, I don't think it's that complicated to manage every year, and if you want help with it, you could use a financial advisor who could help execute a lot of the pieces for you. Are there other simpler alter? I don't think there's anything much simpler when it comes to tax advantage retirement options. Now, it depends on what your retirement options are currently. If you've got a 401k, you've maxed out, that's a great

place to go, especially the Roth option. You got the backdoor Roth IRA option. There's a mega

backdoor 401k option that you might have access to with your company. You can check with your

HR department, but that one is even a little more complicated. So the backdoor Roth IRA is simply this.

You contribute with after-tax dollars to a traditional IRA, and then you convert that to Roth.

So it's two steps, and I don't think it's as complicated as you're making it out to be.

You said you've heard about it, but you haven't actually done it. So I would

do it first before you decide it's much too complicated. There's lots of videos on this online, and

again, you can reach out to a smart master pro on our website if you want help with it. If it feels

too complicated, that's what they're there for, to help you understand the stuff and to not

make it so overwhelming. But good problem to have. Yeah, very good problem to have. And you talking about super megas and back doors. It feels like a child names. I don't know, man. What's better? What's better? Mega or super mega? It feels like we're naming Charmin' toilet paper. It's like how about we just simplify the whole process, Congress? But that's too much to ask. That's a lot.