IRS income limits block direct contributions for higher earners. In 2025, single filers with a modified adjusted gross income (MAGI) above $150,000 (and joint filers above $236,000) can’t contribute directly.
But high-income earners aren’t totally locked out. It’s possible to leverage a backdoor Roth IRA to work around these income limits.
Read MoreRetirement used to mark the end of one chapter — but for many, it’s becoming a midpoint. What’s drawing people back into the workforce? For some, it’s financial. For others, it’s the desire for connection, purpose or simply something to do. If you’ve been thinking about reentering the workforce, you’re not alone.
Read MoreWhen should you start receiving your Social Security benefits and how they will factor into your overall retirement situation?
These are two of the biggest considerations attached to this important financial topic.
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