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Too Rich for a Roth? Do This
Fortunately, there is a way around the Roth IRA roadblock for affluent taxpayers: a backdoor Roth IRA. For 2022, Roth IRA contributions are not allowed for single filers with a modified adjusted gross income (MAGI) of $144,000 or more or married couples filing jointly whose MAGI exceeds $214,000. Traditional IRAs, on the other hand, have no income limits for eligibility.
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