The Self-Directed Backdoor Roth IRA Explained

As doctors, technologists, and accredited investors, you’re no strangers to hard work, strategic thinking, and maximizing opportunities. But when it comes to retirement planning, the IRS throws a curveball: income limits that block many high earners like you from contributing directly to a Roth IRA. Enter the Self-Directed Backdoor Roth IRA—a powerful workaround that combines tax-free growth with the freedom to invest in what you choose. Let’s dive into what this strategy is, how it works, and why it’s a game-changer for professionals like us.

Famous investor Peter Thiel turned $2000 to $5 Billion and paid $0 in Taxes. Secret weapon Self Directed ROTH IRA  (review resources at the bottom). 

What’s a Roth IRA, and Why the “Backdoor”?

A Roth IRA is a retirement account where you contribute after-tax dollars, and in return, your investments grow tax-free. Withdrawals in retirement? Also tax-free, as long as you’re over 59½ and the accoun...