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Yes, you can contribute to both a Roth and traditional IRA in the same year, but one combined limit applies: $7,500, or $8,600 if age 50 or older, for 2026.

Can a 401(k) RMD be donated to charity? Not directly: roll it to a traditional IRA, then use a QCD. See 2026 limits, the timing trap and reporting.

A Roth conversion is ordinary income, so capital losses offset it only up to $3,000 a year. See the ordering rule, worked math, carryover, and the smarter play.

Deciding whether to convert IRA or 401k first? The order turns on the pro-rata backdoor rule, employer-stock NUA, creditor protection, and RMD timing.

Selling your home and weighing a Roth conversion the same year? See how Section 121, capital-gains stacking, IRMAA, and NIIT shape the timing decision.

Do SEP and SIMPLE IRAs count for the pro-rata rule? Yes, both aggregate under IRC 408(d)(2). See the backdoor Roth tax math and the Solo 401(k) fix.

OBBBA made the 2017 rates permanent and ended the 2026 sunset. Why Roth conversions can still make sense for retirees and how to size them in 2026.

A surviving spouse cannot convert an inherited IRA directly: assume ownership first (spousal rollover), then convert, ideally in the year-of-death joint brackets.

Roth conversion vs capital gain harvesting compete for the same low bracket in 2026. See the stacking rule, the 0% LTCG room, and how to sequence both.