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  "path": "/retirement/roth-iras/mega-backdoor-roth-how-it-works",
  "publishedAt": "2026-05-09T09:35:00.000Z",
  "site": "https://www.kiplinger.com",
  "tags": [
    "Tax Planning",
    "Wealth Creation",
    "Roth IRAs",
    "Retirement Planning",
    "Taxes",
    "Investing",
    "Wealth Management",
    "Retirement",
    "Retirement Plans"
  ],
  "textContent": "A mega backdoor Roth IRA allows high-income earners to potentially move tens of thousands of dollars into a tax-free retirement account. This is how it works.",
  "title": "I'm a Financial Planner: If You're Too Rich for a Roth, Consider a Mega Backdoor Roth (This Is How It Works)"
}