The High Earners Guide to a Roth IRA

A Roth IRA is a wonderful thing.

Even though it does not give you a tax break when you make a contribution, you never have to pay a dollar of taxes on it ever gain.

The money inside the account grows and compounds with no taxes. There are no taxes when you withdraw dollars in retirement either… and as a bonus, you can pull out your contributions at literally any time with no penalties.

In fact, a Roth IRA is such a good deal for you (and such a bad deal for the IRS) that the government has tried to limit who even has access to one.

As of 2025, if you earn over $150,000 single or $236,000 married, you cannot directly contribute to a Roth IRA.

Because of this income limit, and the fact that Roth IRA’s are typically limited to $7,000 a year in new contributions, almost every high earner I know has stopped using these accounts.

However, these limitations are completely artificial if you know what you are doing.

Due to several loopholes and workarounds in the US tax code, every single high earner can still find roundabout ways to contribute tens of thousands of dollars every single year to a Roth IRA.

Read this guide, and you will learn:

• Why every high income earner should use Roth IRA’s as part of their wealth building strategy

• Why the $7K per year limit is a completely artificial constraint if you know what you are doing

• Four powerful methods to contribute to a Roth IRA if you make too much to make a direct contribution (with step-by-step guides)

• How you can set up your family members with Roth IRA’s to reduce household tax rates and compound family wealth

• How I personally invest my Roth IRA

Let’s dive in.

Table of Contents

• To Roth or Not to Roth

• How High Earners Can Still Leverage a Roth IRA

  • Roth 401k

  • Roth Conversions

  • The “Backdoor” Roth IRA

  • The “Mega Backdoor” Roth IRA

• Roth IRA for Your Family

  • Your Spouse

  • Your Children

• Investing Your Roth IRA