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Retirement tax questions
No. A backdoor Roth is used by people whose income it too high to permit a direct Roth contribution so they make a non-deductible Traditional IRA contribution and then convert that to a Roth.
To make *any* IRA contribution you must have taxable compensation (money that your worked for) or spouse worked for on a joint return, at least as much as the contribution.
If your only income is SS and retirement income, you are not eligible to make any IRA contribution at all.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
‎June 6, 2019
8:28 AM