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Loophole

Spousal Backdoor Roth (Non-Working Spouse)

Double the annual backdoor conversion via non-working spouse's spousal IRA.

Overview

A non-working spouse can fund a spousal traditional IRA using the working spouse's earned income, then convert it to Roth via the standard backdoor. Doubles the household's annual backdoor Roth to $14K ($16K age 50+) — pure tax-free growth on top of the working spouse's own backdoor.

Best fit
Single-earner households above Roth income limitsStay-at-home spouses
Estimated impact
Extra $7K/yr Roth = $500K+ tax-free at retirement

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