Hi all.
This year I may end up over the limit for direct Roth IRA contributions for my wife and I.
The reason I'm uncertain is because I make a base salary of 190k W2 but expect I will be over the limit for contributions due to additional 1099 income.
Are there any significant pros or cons with regards to initially contributing to roth then having to switch accounts vs trad then backdoor depending on how the 1099 income works out this year?
Thanks.