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REDDIT

Backdoor Roth Account Mechanics

M
Apr 30, 2026 · 19:25

Hi. Hopefully a simple question, but not one that I’ve been able to find an answer to so easily. If I want to make a backdoor Roth contribution, do I need to open both a traditional and Roth IRA, or does a single account work for both? It’s my first time being able to look at these strategies, so appreciate any guidance or direction, even if to another subreddit. Thank you.