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Why does moving an IRA to a 401K give you back door access to a ROTH? An TIRA can be converted to a ROTH regardless of income.

The OP had said earlier in the thread that he didn't want to have to pay CA & Federal taxes on the TIRA, which was now worth $36,500 - between CA and Federal, my guess is that it would be at least $10k in taxes, if not more. Especially if the OP is considering taking several years off in the future, it would make more sense for him to convert pre-tax accounts at that point, when his income is lower.

Since the after-tax income that the OP will be contributing to a Roth and then converting has already been taxed, and would be taxed whether or not he contributes it to an IRA, the back-door Roth conversion will let him save on future taxes.

AJ
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