DanaB27
Expert Alumni

Retirement tax questions

It seems you selected Traditional IRA and Roth IRA at the beginning of the IRA contribution interview since you are also getting Roth IRA questions. Do not enter a Roth IRA contribution unless you directly made Roth contributions for 2024. Do not enter the backdoor Roth as a Roth IRA contribution.

 

Yes, you can still do backdoor Roth. Please note, if you have a retirement plan at work and are over the income limit it will be nondeductible automatically and then you do not get the screen “Choose Not to Deduct IRA Contributions”. Instead you get the "Income Too High To Deduct an IRA Contribution" warning and then a screen saying $0 is deductible. This is what you want when making a backdoor Roth, you want to have the traditional IRA contribution nondeductible.

 

@kiddkevin01 

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