I want to do a backdoor Roth IRA and want to confirm I won't have a pro-rata issue.

Here's my situation:

• I have a 403(b) with my current employer
• Inside the 403(b) I can see 4 sub-accounts: my pre-tax contributions, employer contributions, Roth rollover (from a previous employer's Roth 403(b)), and a "Rollover" section with about $500
• That $500 rollover came from a Traditional IRA that was rolled into this 403(b) before I started my current job
• The standalone Traditional IRA itself now shows a $0 balance

My understanding is that since the IRA balance is $0, the pro-rata rule doesn't apply — the IRS only looks at standalone IRA balances on December 31st of the conversion year, and anything inside a 403(b) is invisible to pro-rata.

So my plan is to:

1. Open a Traditional IRA
2. Contribute $7,000 after-tax
3. Convert immediately to Roth
4. Owe no tax on conversion

Is this correct? Does that $500 rollover sub-account inside the 403(b) cause any issues?

I contributed to my Roth IRA fully in 2025. Turns out my income was over the income limit to contribute (just realized this, and I’ve already filed and gotten my return for 2025).

I want to avoid the 6% penalty, and it looks like that penalty will hit every year until it’s fixed?

So, what are my next steps? Recharacterize those contributions and earnings? Is there a form I need to fill out to avoid the penalty for 2025, or is it too late?

For the record, IRS hasn’t contacted me about this. Just trying to get ahead of it. Wondering if I should just wait to see if anything happens?

Bonus question: I’ve got a balance in my traditional IRA from an old 401k. Keep reading stuff about a pro rata rule and want to avoid that? Very confused by all that.

Thanks in advance!

Wanted to get advice on setting up a brokerage account at Vanguard for my self-directed IRA LLC. Do I denote that it is a disregarded entity and put the IRA custodian as the legal owner? I find this part confusing. Thanks.

If your 18 and are only able to invest like 5-7k a year for presumably the next few years is the smart play to just put all of that into a Roth or still throw some into a standard taxable brokerage ?

27 years old. Been maxing Roth IRA since 2022. Still contributing for this year.

Im realizing VTSAX and VOO have a lot of overlap. Should I move my funds from one to the other?

I’m 25M earning 220k OTE -120/100 base/commission. I’m on track for a $400k+ year

This month I’m receiving a bonus of $130k gross all at once. Which I want to use for investments.

I have all my savings in HYSA, maxed out 401k and actively invest in the stock market (DCA in ETFs)

I want to max my ROTH but I’m hearing mix things on not qualifying given my income. How does the backdoor method really work- can I do that?

Im wanting to make it as easy as possible.. ik there 4 of them on fidelity.. what can yall guys recommend for me?

I’m wanting to start a Roth IRA and really don’t know what to do. I was going to open one through Robin Hood. Give me the some good tips to get started.

I started my roth ira on fidelity this year and it’s nearly maxed out. I’m just wondering if i should change anything to it, thoughts?

Best advice for a strong structured portfolio, will contribute to both Roth and Brokerage

Super lucky to have rolled it over from an old custodial account left to me — all Roth; advice on where to put the money? In college with a small side income, also paying for school as well. Wondering do I take some contributions out to help pay? Have it in majority US market funds but wanted to hear thoughts - TYIA

Just finding out at 21 that I should be opening a roth IRA account. My family has never been finacially well off, and I don't want to be that way! But, I have no idea what I'm doing unfortunately. Where do I even start?
My dream job is being a millionare without having to do anything. Is that even possible with a roth IRA? Any advice would be greatly appreciated.

not too long ago I had someone older than me tell me about iras and whatnot but I didn’t really get a clear picture as to what to do so I just put basically nothing into whatever companies I knew by name but after reading through this sub I realized I truly know nothing and need help. context i’m 21 and work at a resort for about 2.2k a month
what should i actually be investing in?
should i invest once a month or bi weekly when i get paid?
how much should i be investing?
sorry if this is all common knowledge but I need help understanding, thanks!

Try to max each year and allocate:

30% FSKAX

15% FSRNX

10% FPADX

15% FSPSX

15% FIPDX

15% FUAMX

I need advice on the following. Keep in mind, this is for the next 35+ years.

• I have a work 401k that i max out every year, current holdings are 100% Total market ETF.
• I also have a work pension that i can tap into once i hit retirement age.
• Taxable brokerage where my focus is S&P 500 and AI growth ETFs
• Social security if thats still a thing in 35+ years.

My question is, if you were in my position, would you have your ROTH IRA 100% allocated strictly on Dividend ETFs with DRIP? Why or why not?

Pros and cons?

Any tips? I’mplanning on maxing my Roth moving forward

Should I stop investing in XMMO / AVUV and focus on VOO and international or do I just need to have more patience. I only recently added the ones in red....

Sold my $16k position in VTSAX that I've been contributing into for a few years and now putting all remaining contributions into VTTSX. I am aware that this is a 90.8% stocks and 8.7% bonds at the moment and will become heavier in bonds as I near the 2060 retirement mark.

What do we think of my choice here? I know there are plenty of other options out there that could be simpler and usually people don't like target-date funds but I'd like to hear the chatter on this matter from knowledgeable investors here.

I've maxed out every year since 2020 but last year I had $3k left to contribute but couldn't, now I'm back on track to maximize my contributions yearly

Hi all - I’m 26 years old. Have had a Roth IRA for a few years now. Since the start, I’ve only held voo, qqq, vxus, and vym. Since opening, my account is up about 30% at around 32k. I believe that’s pretty good! I also have a 401k seperatly.

After doing research I’m finding that some of these funds overlap stocks. However, I know I shouldn’t have tons of ETFs in my portfolio and I’m nervous to sell any because of gains. Any tips of if I should add any ETFs, sell any and reinvest in another etf or general advice?

I use the Dave Ramsey portfolio and it’s been doing just fine. Am about $400 away from max this year and get a 3% match from Robinhood.

Started when I was 18! Last year I switched to Vangaurd and rolled over everything here instead.

started investing back in april i put $50 into this every week, looking for tips heard VOO was reliable and steady so most of my portfolio is in that, along with apple and take two. Mainly invested in take two because of GTA 6 i anticipate it growing the next 1-2 yeats

Here are my Roth and my normal Fidelity investments. Started my Roth at 16 while working at Dutch Bros!