Backdoor Roth IRA explained (2026): how high-income earners can legally contribute to a Roth IRA, step-by-step, and avoid the pro-rata rule tax trap. If your income is too high to contribute directly to a Roth IRA, the Backdoor Roth strategy is one of the most important ways to still build tax-free retirement income—but it has to be done correctly. In this episode, we break down:2026 Roth IRA income limits and contribution limitsHow the Backdoor Roth IRA works step-by-stepHow to make a non-deductible IRA contribution and convert it to RothThe pro-rata rule and how it can trigger unexpected taxesHow to handle existing Traditional, SEP, or SIMPLE IRA balancesWhen a spousal Backdoor Roth makes senseHave questions?Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.http://bit.ly/calltruewealth