Most people that can Mega Back Door would get hit by the Pro Rata rule, which makes getting one bad*
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My company recently switched our 401k to Fidelity (from some weird company with limited options).
I'm already maxing my 401k. And now with the 2026 changes to 50+ catch-up, I will have my catch-up amount placed in a Roth 401k.
It also looks like I also have the option to make post tax contributions as part of my 401k, and this appears to be the Mega Back Door Roth? It sounds like I can just call Fidelity and the post-tax contributions will become "In-Plan Roth Conversion" that would join my catch-up amount in the 401k Roth
So if I understand correctly, I can contribute to the Mega Back Door Roth up to ($70k - 401k contributions and company matches).
Is there any reason to mess around with Traditional IRA -> Back Door Roth conversion, if you can take advantage of the Mega Back Door Roth? unless of course I was maxing out the Mega Back Door Roth (doubt that happens)?
I can't tell if this is super confusing or I'm actually starting to understand what I typed.
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Message Thread | This response ↓
 (Retirement Loot) - Mega Back Door Roth ... - shua November 21, 2025, 12:44:41
- always back door when you get the opportunity* - lcubed November 23, 2025, 12:45:00
- I’ll never see you if I had no loot* - PapaDels November 23, 2025, 8:04:26
- I don’t really understand why anyone would do a Roth rather than a pre-tax account - DT November 23, 2025, 6:50:08
- One reason is that contribution limits are the same conventional or roth 401k. - gvibes November 23, 2025, 10:37:04
- Roths don't have required yearly withdrawals by owner - Potomac November 23, 2025, 10:09:00
- I’m already maxing pre-tax. Just trying to figure out what to do with any extra* - shua November 23, 2025, 9:45:07
- A bit presumptuous to assume tax brackets remain static (depending on your horizon) - Dilbert November 23, 2025, 8:52:33
- correct.* - Ari Gold November 23, 2025, 12:09:13
- Rumor has it that Lindsay Graham is more interested in the MAGA Back Door* - ATL November 21, 2025, 18:19:58
- Most people that can Mega Back Door would get hit by the Pro Rata rule, which makes getting one bad* - Quiz November 21, 2025, 17:21:40
- I hate everything the mega backdoor Roth represents. Such an unnecessary, - longsnapper November 21, 2025, 16:42:02
- Is there any reason to switch to a Mega Back Door Roth vs putting money into 529? - Carl Spackler November 21, 2025, 16:09:21
- Or you can put all your money in QQQ an get that sweet, sweet 20% capital gains tax… - timmer November 21, 2025, 16:00:22
- mega back door roth is better than ira->roth conversions - illinibone November 21, 2025, 15:56:09
- skiddley biddley bop* - VIV November 21, 2025, 14:17:12
- To me, non-Roth impact to heirs has somewhat lowered their relative value - Potomac November 21, 2025, 14:01:57
- i'll use the roth for catch up contributions, but will not convert any of my traditonal as i want - Ari Gold November 21, 2025, 13:36:49
- Watch these guys - ATL November 21, 2025, 12:48:53
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on November 21, 2025, 17:21:40, in reply to "(Retirement Loot) - Mega Back Door Roth ..."