# Bakdoor Roth IRA Strategy
I may have gotten myself into a bit of a tricky situation, without illegal consequences, however. I will state my questions, and then offer some context, followed by the current state of my accounts. Thank you in advance for any help!
* How can I deposit money that I have on hand, into a Roth IRA, using the "backdoor conversion" while avoiding the "pro-rata"rule?
* What is the best path forward to correct the fact that I contributed into my 2026 Roth IRA account, even though my MAGI will be above the income limit?
A few years ago I opened a Northwestern Mutual account with a financial advisor. Long story short, I was sold some insurance products that were also investements, which turned out to be a bit of a scam in my opinion. This turned me off of NW, so as of mid 2025 I decided to leave NWM. I opened a VG account and am slowly in the process of transferring everything here. I am currently on my third professional job
**With NWM I have:**
1. IRA (with money that rolled over from an ESOP from job #1, I paid taxes on it when it was rolled into the IRA)
2. Roth IRA. I deposited money into this account, as suggested by the financial advisor against my intuition, for the first three months of the 2026 year, even though I knew I would be making \~190k in 2026)
**With VG I have:**
1. Roth IRA (I deposited the balance of my limit in this account for the 2025 year, since I was not maxing my contributions in the NWM account)
2. IRA (with a 401k rollover from job #2)
**Current job (job #3)**
1. 401k
2. HSA