# A Guide to the Backdoor Roth IRA, and Heirs Squandering Inheritances

Page: https://stenobird.com/podcast/motley-fool-hidden-gems-investing-1015621/a-guide-to-the-backdoor-roth-ira-and-heirs-squandering-inheritances
Text version: https://stenobird.com/podcast/motley-fool-hidden-gems-investing-1015621/a-guide-to-the-backdoor-roth-ira-and-heirs-squandering-inheritances.md
Podcast: [Motley Fool Hidden Gems Investing](https://stenobird.com/podcast/motley-fool-hidden-gems-investing-1015621)
Published: 2026-04-25T16:00:00+00:00
Episode link: https://www.podtrac.com/pts/redirect.mp3/pdst.fm/e/tracking.swap.fm/track/YfZO4tERxneauNcW9Fgn/mgln.ai/e/211/traffic.megaphone.fm/ARML5616151861.mp3?updated=1777074226
Audio file: https://www.podtrac.com/pts/redirect.mp3/pdst.fm/e/tracking.swap.fm/track/YfZO4tERxneauNcW9Fgn/mgln.ai/e/211/traffic.megaphone.fm/ARML5616151861.mp3?updated=1777074226
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/motley-fool-hidden-gems-investing-1015621/episodes/a-guide-to-the-backdoor-roth-ira-and-heirs-squandering-inheritances
Duration seconds: 968

## Resource

People look forward to retirement as a time of fewer obligations, but it can also be a time of lower taxes, especially if you have money in Roth retirement accounts. However, if you earn too much money, you can’t contribute directly to a Roth IRA. But you may still have an option. Host Robert Brokamp lays out the five steps to contributing to a backdoor Roth IRA, and highlights a landmine to avoid. Also in this episode:-The stock market posted one of its best 10-day returns – what does history say happens next?-A new study finds that heirs spend inheritances remarkably quickly. What are ways to leave an inheritance that won’t be squandered?-The input costs for food companies almost doubled in March, and prices may rise even more over the next three to six months.-Happy 50th birthday to Vanguard’s S&P 500 index fund, the first index fund available to individual investors. Host: Robert BrokampEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We’re committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/motley-fool-hidden-gems-investing-1015621/episodes/a-guide-to-the-backdoor-roth-ira-and-heirs-squandering-inheritances/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/motley-fool-hidden-gems-investing-1015621/a-guide-to-the-backdoor-roth-ira-and-heirs-squandering-inheritances.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.