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Tax Planning
Turning 73 in 2026 and Still Want a Backdoor Roth? Here's the Order the IRS Actually Requires.
If you're 73 or older in 2026, the IRS requires you to satisfy your full RMD before converting a single dollar to Roth — get the order wrong and it counts as an excess contribution. Here's how RMDs, backdoor Roth conversions, and the pro-rata rule actually interact.