21 Comments

1. 

   @karltondennis on February 14, 2026 at 11:48 pm

   Subscribe to the channel to help us reach 1 million subscribers!

   Reply
2. 

   @RobotVoice99 on February 14, 2026 at 11:48 pm

   Wait, you don't HAVE to max out your normal 401(k) contributions first, right? That's just a recommendation?

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3. 

   @kito1san on February 14, 2026 at 11:48 pm

   The traditional IRA is still limit how much you can yearly per irs. Example it's $7k 20205

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4. 

   @IsahakeAli on February 14, 2026 at 11:48 pm

   This is an incredibly detailed breakdown for high-income earners. The key complexity is definitely checking if the 401k allows for after-tax contributions AND in-service withdrawals. That's the biggest hurdle for most people trying to implement this. Great video!

   Reply
5. 

   @rsood2656 on February 14, 2026 at 11:48 pm

   Background music needs to be off please

   Reply
6. 

   @55ff66gg-o7q on February 14, 2026 at 11:48 pm

   hearing the way he pronounced IRA- fix it Jesus

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7. 

   @TheFastAnderson on February 14, 2026 at 11:48 pm

   Oh man, the intermixing of “Eyera” and I-R-A kills me. I tried to hang but I just couldn’t.

   Reply
8. 

   @kyleboulanger7835 on February 14, 2026 at 11:48 pm

   Are you paying tax twice in this strategy? 1) ‘after tax’ contribution, and 2) during conversion ?

   Reply
9. 

   @IvyGreen1966 on February 14, 2026 at 11:48 pm

   I find it ridiculous that we have to do a back door Roth IRA because we don't qualify anymore.

   Reply
10. 

    @whyjustwhy2168 on February 14, 2026 at 11:48 pm

    I think ill have enough honestly but sounds good. Get greedy people lol

    Reply
11. 

    @whyjustwhy2168 on February 14, 2026 at 11:48 pm

    Who can do the conversation a financial advisor?

    Reply
12. 

    @searchingdiligently on February 14, 2026 at 11:48 pm

    We definitely know what it is! Thanks for the info.

    Reply
13. 

    @mperry228 on February 14, 2026 at 11:48 pm

    Correction: You don't have to be a high income earner and you can do both, Roth Ira and mega backdoor Roth.

    Reply
14. 

    @NextGenEvs on February 14, 2026 at 11:48 pm

    Can you fund a regular Roth IRA AND do a Mega Backdoor ?

    Reply
15. 

    @jayabraham4377 on February 14, 2026 at 11:48 pm

    Is the back door Roth going away with this new Big Beautiful Bill?

    Reply
16. 

    @johngreg12 on February 14, 2026 at 11:48 pm

    well, it is all over! nomore mega backdoor or backldoor

    Reply
17. 

    @Evelyn-x7q1 on February 14, 2026 at 11:48 pm

    It’s actually wild that the Mega Backdoor Roth is still flying under the radar in 2025. Like… we’re all out here paying unnecessary taxes because no one’s talking about this.

    Reply
18. 

    @SackUpAndGo on February 14, 2026 at 11:48 pm

    Appreciate you, sir

    Reply
19. 

    @vik1837 on February 14, 2026 at 11:48 pm

    Thank you Karlton! How about SEP IRA and business owners? What do we do with the Roth products?

    Reply
20. 

    @weddowful on February 14, 2026 at 11:48 pm

    I have two 401(k) plans inside my retirement, one a traditional 401(k) the other is a Roth 401(k) the question I have is would it be smart to convert from my Roth 401(k) to my Roth IRA? I would like to contribute more to my IRA and I’m wondering if this would be the best option for me.

    Reply
21. 

    @tekniquez12 on February 14, 2026 at 11:48 pm

    Is this only for 401(k) plans? Can I do a mega backdoor Roth with my 457(b) plan?

    Reply