The Mega Backdoor Roth Strategy for High Earners in 2026

Episode 20 of Retirement Planning with Fexingo dives into the mega backdoor Roth strategy—a powerful but lesser-known technique that allows high earners to save tens of thousands of extra dollars in a Roth account each year, even if they exceed the normal income limits. Lucas and Luna break down how the strategy works step by step: maxing out your 401k, then making after-tax contributions, followed by an in-plan Roth conversion. They discuss which employer plans support it, the tax implications, and how a real-world case from a Fidelity survey shows that only about 15 percent of eligible workers actually use this loophole. The episode also covers the potential legislative changes from the SECURE 2.0 Act that could alter the landscape. Perfect for anyone who has maxed out their 401k and Roth IRA and wants to supercharge their retirement savings. #MegaBackdoorRoth #AfterTaxContributions #RothConversion #HighEarners #401k #RetirementSavings #SECURE2_0 #InPlanConversion #TaxLoophole #RothIRA #Fidelity #FexingoBusiness #BusinessPodcast #FinancePodcast #RetirementPlanning #WealthManagement #TaxPlanning #IRS Keep every episode free: buymeacoffee.com/fexingo