交３５％稅率的人都搞不清楚，怎麽能期望一般美國人搞清楚？

This is not backdoor ROTH IRA, this is called ROTH IRA conversion.  THere is no upper limit, you have to pay income tax on the conversion amount. 

If your marginal federal tax rate is 35%, there is no advantage of doing ROTH conversion this year. 

你能掙到３５％的稅率，也不是笨人啊。

所有跟帖： 

• 我又糊塗了：樓主說了traditional IRA 是稅後的，為何conversion to Roth 還要再交一次稅？ -八卦煮九- ♀ (0 bytes) () 03/06/2024 postreply 21:21:24

• 那麽是交易所預扣的10%，明年交稅的時候可以拿回來。 -檸檬椰子汁- ♂ (147 bytes) () 03/07/2024 postreply 06:01:49

• 謝謝。樓主的貼，確實 有critical information missing -八卦煮九- ♀ (0 bytes) () 03/07/2024 postreply 06:25:53