How the Mega Backdoor Roth Can Supercharge Your Retirement

Lucas and Luna explain how high earners can use the mega backdoor Roth IRA strategy to contribute up to $76,500 in 2026 to a Roth account — beyond the standard IRA and 401k limits. They walk through a real example of a 45-year-old engineer who built a $1.5 million tax-free nest egg using this technique over 15 years. The hosts clarify the three-step process: after-tax contributions, in-plan Roth conversion, and avoiding the pro-rata rule. They also highlight pitfalls like employer plan restrictions and the 'testing' period that trips up many savers. This episode gives concrete, actionable steps for anyone with a high income and a 401k that allows after-tax contributions — a strategy most people don't know exists but can dramatically change retirement outcomes. #MegaBackdoorRoth #RothIRA #401k #AfterTaxContributions #HighIncomeSavers #RetirementPlanning #TaxFreeGrowth #InPlanConversion #ProRataRule #WealthBuilding #Finance #FexingoBusiness #BusinessPodcast #Retirement #SavingsStrategy #LucasAndLuna #EmployeeBenefits #TaxStrategy Keep every episode free: buymeacoffee.com/fexingo