How to Structure a Mega Roth Contribution and Conversion Strategy

If you have no other IRA assets you only have really 401ks and things like that inherited IRAs don't count Roth IRAs. You can contribute to a traditional and then convert it to a Roth no matter what your income limit is just make sure that you do well with that. If you work for a company and you see that they have after tax retirement contributions listed you know you probably have a financial mutant who's working in your HR or benefits department because these things you have to seek them out.