So I max out my 401k, IRA, and HSA contributions and this year I'm thinking about contributing a decent chunk of my bonus into a mega backdoor Roth. Anybody have experience doing this? I've read plenty online and it sounds easy enough if your employer allows after-tax contributions to a 401k, but wondering what it looks like in practice. Would love to hear from anybody who's actually done it to understand more about the specific steps, timing everything, and any tax implications.
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401k is a scam
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