I’m currently maxing out:
- 401(k) ($23,500 for 2025)
- Mega backdoor Roth
- HSA
- DCA into Taxable brokerage throughout the year
I can’t do a backdoor Roth IRA conversion due to the pro-rata rule (have pre-tax IRA assets I can’t consolidate right now - 5 year hold period for a transfer bonus).
For those in similar situations - do you bother contributing the $7,000 to a traditional IRA anyway? Or do you just keep putting extra money into your taxable brokerage account?
Curious what others prioritize when backdoor Roth isn’t an option.