Roth vs. Traditional IRA Over the Income Limit (opens in new tab)

If your income is too high to deduct traditional IRA contributions, does a Roth IRA still make sense—or is a traditional IRA even worth using? Listener Bart asks a common question in the FI community. Sean explains why non-deductible traditional IRAs are often suboptimal, when a backdoor Roth IRA makes sense, and how to make smart contribution decisions in 2025.