All High Earners Need to Know About the Mega Backdoor Roth

The mega backdoor Roth strategy lets high earners contribute far more to Roth retirement savings through a 401(k).

High earners can use a mega backdoor Roth to save beyond normal retirement contribution limits. Vyaseleva Elena/Shutterstock

If done the right way, a mega backdoor Roth can allow investors to save in a workplace retirement plan such as a 401(k) beyond the typical contribution limits.

It also can allow investors to save in a Roth account when they otherwise would not have been able to do so because of certain restrictions.