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REDDIT

Why are there income limits on a Roth IRA when they are so easily circumvented?

F
Jun 8, 2026 · 21:48

It seems crazy to me that there are rules limiting Roth contributions for high wage earners which can be circumvented by depositing savings into an IRA then immediately transferring to a Roth. Literally two clicks.

What some other no-brainer loop holes?