How Middle Class Families Miss Out on 401k Mega Backdoor Roth

Episode 37 of Wealth Distribution with Fexingo dives into the 'mega backdoor Roth' strategy, a retirement loophole that allows high earners to stash up to $70,000 a year in a Roth account. Lucas and Luna explain how it works, why most middle class families can't use it, and what the numbers reveal about the growing gap in tax-advantaged savings. Using concrete examples from the IRS code and real-world compensation structures, they show how this obscure provision primarily benefits executives at companies with high match rates and after-tax contribution options. The hosts also explore whether proposed legislation in 2026 could close the loophole or expand it. A must-listen for anyone wondering why the retirement playing field isn't level. #MegaBackdoorRoth #401k #RetirementSavings #MiddleClass #WealthInequality #TaxLoophole #RothIRA #IRS #SECUREAct #HighIncome #Fidelity #Vanguard #EmployeeBenefits #Economics #PersonalFinance #FexingoBusiness #BusinessPodcast #WealthDistribution Keep every episode free: buymeacoffee.com/fexingo