The Backdoor Roth IRA Blueprint
Get $7,500 into your Roth IRA this year, even if you earn too much to contribute directly.
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UPDATED FOR THE 2026 TAX YEAR
Grow your money tax free,
for life.The Roth IRA can be confusing, but extremely powerful. ChatGPT gets it wrong. Reddit skips important steps. Your CPA charges $300 an hour to say hello. We've done the heavy lifting and mapped out the strategies for you.
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- Instant PDF
- Updated for 2026 tax rules
- 5 proven Roth IRA strategies
- No finance background needed
START HERE
Where are you stuck?
Pick the sentence that sounds like you.
"I know I should have a Roth. I just haven't set one up"
Open and fund your first Roth IRA in 15 minutes. Every year you wait is money you never get back.
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"I make too much to contribute this year"
Invest in your Roth IRA, even when you are over the income limit. This guide shows you how.
"I've maxed out my Roth IRA. I want to put in more."
The $7,500 cap is not your real limit. Contribute thousands more into your Roth IRA every year. This guide shows you how.
"I might need this money before I'm 59½."
The Roth IRA is more liquid than you think. However, withdraw in the wrong order, and it will cost you. This guide walks you through your options.
"I want to set my kid up for life."
A Roth IRA started young might be the closest thing to a cheat code your child ever receives. The tricky part is proving their income. This guide shows you how.
ABOUT THE GUIDES
Finance and accounting expertise, built for everyday people.
A college professor helped one of us open a Roth IRA at 20 years old. It turned out to be one of the best financial decisions of that person's life.
A few years later, another one of us thought we made too much to contribute to a Roth IRA, until they learned about the Backdoor Roth Blueprint. The existing research was scattered and time consuming. ChatGPT gave confidently wrong answers. Every Reddit thread skipped a key step. A CPA wanted $300 an hour, so we decided to figure it out for ourselves.
We documented every step. Then a family member wanted the notes. Then a friend. Then their friend. Soon we discovered the most popular Roth strategies people kept asking about.
This isn't financial advice. These are the guides we wish we had when we were learning these strategies, with key steps explained so you can find what you need without spending hours searching for it.
Step by step
Every step is spelled out. Every new idea is explained. No finance background required.
Easily Readable
Most users finish a guide in an afternoon, and put it to use the same day.
IRS Accurate
Checked against current IRS rules and reviewed by CPAs. When the rules change, the guides change too.
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REVIEWS
Don't take our word for it.
Here's what buyers said after using them.
"I completed my first backdoor Roth last month and it was great to know I was doing it correctly. The cheat sheet will be great to reference in the future."
"I felt a lot more confident I completed the Backdoor method correctly."
"The guide was good. Wish I had opened a Roth 15 years ago."
"I'd been putting this off for two years. Read the guide on a Sunday afternoon and had everything set up by Monday morning. Wish I'd done it sooner."
"Every single Dad out there needs to read the Million Dollar Kid guide."
"A great resource for high earners."
"I only invested in a Roth for 5 years but I was able to take out $15,000 at 37 to help with our down payment for our house. No taxes or penalties!"
"Perfect for me since I was starting from zero."
"I don't have any sort of finance or accounting background (nurse) and I was even able to follow pretty easily."
"My husband and I are looking to retire at 58 and 57 this coming fall. We both have Roth IRAs and were looking for something that showed us how to get money out of our Roth early without penalties. This guide was perfect!"
"Alright!! I was able to pull money out of my Roth IRA without causing the 10% penalty. Would buy again :)"
"I will be referring to this document every year thank you!"
THE FULL LIBRARY
The Five Roth IRA Strategies
From your first Roth to the advanced stuff.
The Million-Dollar Kid
Gift your child a financial head start with the Custodial Roth IRA.
View Guide
The Mega Backdoor Roth Blueprint
Contribute up to an extra $46,000 into your Roth IRA this year.
View Guide