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I'll stick my neck out and say Kitces is looking for problems where there are none.

The backdoor Roth strategy was a well-known effect of the change in law in 2005. Congress knew exactly what they were doing when they removed the income limitation on Roth conversions. They knew they were opening the way for backdoor Roth contributions, and did so deliberately.

He's also wrong when he says there is no reporting process that would allow the IRS to see this. All of the transactions in and out of an IRA account are reported to the IRS. If the IRS cared to, they could discover backdoor Roth contributions pretty easily.

Frankly, this is pretty similar to most of Kitces writing. Find something remotely possible, write an eye-grabbing headline, and get web page views, which translate pretty directly into advertising revenue.

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