Backdoor Roth IRA: Can this be done incrementally in the same tax year?
Easiest: A one-time per year lump sum into brokerage until settled, then into tIRA, then same day to rIRA.
but...
Can I dump 1/26th of the annual amount into brokerage, wait until settled, then move to tIRA, then same day to rIRA, and do this after each deposit? (essentially a deposit after each paycheck, dollar-cost-averaging, if you will)....
Posted Jan 14, 2026, 3:12 AM UTC
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