The Mega Backdoor Roth Conversion

Every time I think I have maximized my retirement savings in a given year, I discover a new way to push it even further. This time, it’s the after-tax to Roth conversion, aka the “mega backdoor” Roth conversion. And quite frankly, I’m frustrated with myself for not taking advantage of it sooner. My annual retirement savings progression, over the years, has looked like this: Taking advantage of my employer’s generous 50% 401K match on the maximum 401K contribution permitted by the IRS (with Mrs. 20SF later doing the same). Contributing 25% of income from money...

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