Mega backdoor Roth — worth the complexity?
My employer just started offering after-tax 401k contributions. The mega backdoor Roth process seems complicated — contribute after-tax, then convert to Roth. Is the tax benefit worth the hassle of tracking all this? Anyone doing it?
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Absolutely worth it if your plan allows it. I convert quarterly. The tax-free growth in retirement is massive. Check if your plan allows in-plan Roth conversions — that makes it much easier.