>and still does require a pretty high income (investing more than ~$20k/year in a 401k) Nearing retirement, earning low income now and have a significant amoun

>and still does require a pretty high income (investing more than ~$20k/year in a 401k) Nearing retirement, earning low income now and have a significant amount of savings in non-retirement accounts = Closing the megaBD Roth screws me. What should really happen is that anyone with net worth < a reasonable threshold should be able to simply roth what ever the fuck they want without having to figure out these annoyingly complex tax rules.