What actually is a Backdoor Roth? If you’ve ever been told to “just do a backdoor Roth” and found yourself wondering what that actually means, you’re not alone. At higher income levels, the IRS limits your ability to contribute directly to a Roth IRA. However, those same rules still leave another path available. A backdoor Roth is simply a way of using that path. Instead of contributing directly to a Roth IRA, you contribute to a Traditional IRA and then convert those funds i