The Roth IRA Millionaire
How to Retire Tax-Free on Automatic Monthly Contributions
The step-by-step roadmap to a seven-figure Roth IRA — tax-free growth, backdoor conversions, and the compounding schedule that gets you there.
Inside The Playbook
Step-by-Step Tactical Framework
- 01
Why Taxes Will Retire When You Do
The Roth advantage: tax-free growth as the single most powerful lever in retirement planning.
- 02
Roth vs Traditional IRA
Tax now versus tax later, and how to decide which side of the equation you're on.
- 03
The 2026 Rules & Income Phase-Outs
Contribution limits, catch-up provisions, and the income thresholds that trigger phase-outs.
- 04
Backdoor & Mega Backdoor Roth
The legal workarounds high earners use to keep funding Roth accounts past the income limits.
- 05
Building a $1M Roth
The contribution schedule, compound math, and what to hold inside to reach seven figures.
Frequently Asked Questions
What makes a Roth IRA different from a traditional IRA?
A Roth is funded with after-tax dollars but grows and withdraws completely tax-free in retirement. A traditional IRA gives a tax deduction now but is taxed on withdrawal. Roth wins when you expect your tax rate to be higher later.
What are the 2026 Roth IRA contribution and income limits?
The 2026 limit is $7,500 (under 50) and $8,600 for those 50+ via a $1,100 catch-up. Direct contributions phase out between $153K-$168K of income for single filers and $242K-$252K for married couples filing jointly.
What is a backdoor Roth IRA?
A backdoor Roth is a two-step move for high earners: contribute to a traditional IRA (non-deductible), then immediately convert it to a Roth. This legally bypasses the income limits, though the pro-rata rule must be considered.
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