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* To avoid tax complications, you should eliminate all other pre-tax IRAs beforehand by rolling them over to a 401k | * To avoid tax complications, you should eliminate all other pre-tax IRAs beforehand by rolling them over to a 401k | ||
===Mega Backdoor Roth | ===Mega Backdoor Roth=== | ||
Requirements: Your 401k allows after-tax contributions and non-hardship | Requirements: Your 401k allows after-tax contributions and non-hardship withdrawals. | ||
;Basic Idea: | ;Basic Idea: | ||
* Max out after-tax contributions to your 401k | * Max out after-tax contributions to your 401k | ||
* Rollover or withdraw the after-tax portion to a Roth IRA | * Rollover or withdraw the after-tax portion to a Roth IRA or Roth 401K | ||
==ETFs== | ==ETFs== |