Perfect, we must understand to take advantage at the right time. Even though I use CPA to file taxes, till last week I did not know “backdoor roth” is a good avenue for me. The reddit blog and the posting links helped me learn it. Looks like backdoor roth was started since 2010. If I assume the money grows at 7% per year, I will be simply gaining appx $300k in 20 years tax free. These are the easy money we may lose by our ignorance if we do not keep up to date.