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How A Back Door Roth IRA Works in 4 Steps: If you’re a high income earner, you can still contribute to a Roth IRA to take advantage of the after-tax benefits. But you have to do what’s called a back door Roth IRA. Here’s how to do it: Step 1: Open or have an existing traditional IRA with a brokerage like Fidelity, Vanguard or Charles Schwab. Step 2: Transfer after-tax money into this account as cash (do not invest it yet!) Step 3: Take the money in the traditional IRA and move it into a Roth IRA
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