High earners bypass Roth income limits legally.
Contribute $7K to non-deductible traditional IRA → immediately convert to Roth. Bypasses $161K/240K income phaseout. WATCH: pro-rata rule aggregates ALL traditional IRA balances — roll them into 401(k) first.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.