Thanks.
I think I'm learning something here.
That rule applies to the individual? I mean you don't combine stuff for married filing jointly right?
I don't have a regular IRA. My wife does though from a consolidation of a bunch of old 401Ks into an IIRA. I'd need to apply the pro rata stuff if she decided to do a yearly backdoor? She might have been doing it wrong for a few years.
Surprised my financial advisor didn't pick up on that. But, he doesn't do my taxes so he might have assumed I was doing it right.
Thanks again.