The Pro-Rata Rule: The Backdoor Roth Killer Nobody Warned You About скачать в хорошем качестве

The Pro-Rata Rule: The Backdoor Roth Killer Nobody Warned You About

You made a $7,000 non-deductible contribution to your Traditional IRA. You converted it to a Roth. You thought it was tax-free. But you also had a $93,000 rollover IRA sitting in another account. And the IRS just made 93% of your conversion taxable. This is the pro-rata rule — and it catches thousands of people every year. In this video, we break down: → What the pro-rata rule actually is → How the IRS calculates your taxable conversion amount → Which accounts count (and which don't) → The $7,000 Backdoor Roth trap with real numbers → The one move that eliminates the problem entirely 📌 Timestamps: 0:00 - The $7,000 trap 0:32 - What is the pro-rata rule 1:16 - The IRS formula 1:49 - $93,000 example: the math 2:04 - Which accounts count 2:40 - The SEP IRA surprise 3:13 - The fix: reverse rollover to 401(k) 3:49 - The clean slate strategy 4:46 - Key takeaway 5:04 - What's next 5:19 - Foundation Series 5:44 - Advanced Series 📊 Key Numbers: • 2025 IRA contribution limit: $7,000 ($8,000 if 50+) • Pro-rata formula: Non-deductible ÷ Total IRA balance = Tax-free % • Accounts that count: Traditional, SEP, SIMPLE, Rollover IRAs • Accounts that DON'T count: 401(k), 403(b), Roth IRA, Inherited IRA 🔗 IRS Source: Form 8606 Instructions — irs.gov/instructions/i8606 📺 Part of the Advanced Strategies Series — real strategies, edge cases, and the quiet decisions that lead to six-figure differences. 🎯 Foundation Series (Videos 1-20): Essential retirement planning concepts:    • Retirement Planning Fundamentals   🔥 Advanced Series (Videos 21-70): Where real money is saved or lost. #MoneyMechanics #RetirementPlanning #ProRataRule #BackdoorRoth #RothIRA #TaxEducation #FinancialLiteracy #IRS #401k #RetirementTax