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Backdoor Roth IRA Tax Trap Explained

Most people hear about the “backdoor Roth IRA” and think it’s a tax-free hack. But if you have any other IRA money sitting around, the IRS sees everything—and you could trigger a big tax bill because of the pro rata rule. In this video, I break down how this works and who it affects, step by step. I'm Greg—former financial advisor and dad to three Gen Zers. After 21 years in finance, I realized most money problems aren’t about knowledge—they’re about behavior. I started Gen Z Money Dad to help this generation build real-world financial confidence—without shame, fear, or BS. If you need help opening your first Roth IRA, be sure to download my Free Gen Z Roth IRA Starter Kit. Link in bio.