No. of Recommendations: 3
Contributing to a Roth -- whether directly or via the backdoor you mention -- has no impact on MAGI.

I have two options. Put money into a backdoor Roth or put it into a taxable account over the next 10-15 years.

Let's now say in 10-15 years, I'd have either $250,000 in the Roth account, or $250,000 in the taxable account. As I withdraw money from the taxable account, the gains are taxed along with yearly dividends if any.

My understanding is these will affect MAGI, and potentially affect Obamacare costs.

Roth withdraws are not taxable.

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