Alicia65
Employee Tax Expert

Get your taxes done using TurboTax

First congratulations on your upcoming marriage.

Because of the IRS income limits it is possible that you cannot make a direct contribution to a Roth IRA.  The Backdoor Roth is a way to get around the limits. To do this you need to make a non deductible contribution to a Traditional IRA with an IRA custodian of your choice. Then you convert your Traditional IRA into a Roth. There is no tax complication because you made a non-deductible contribution to the Traditional. Because the Modified adjusted threshold does not apply to conversions the limitation does not apply. Repeat this process every year your income is above the limits.