Real ChatGPT answer · index seedEm7Tru3D6BccompleteFinance and banking · retirement accountscommercial

Can you break down the pro rata rule regarding backdoor Roth IRAs so I do not mess up my taxes on my first full time job salary?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you break down the pro rata rule regarding backdoor Roth IRAs so I do not mess up my taxes on my first full time job salary?
2 real searches · 1 real-search pass
IRS Form 8606 instructions 2025 pro rata rule traditional SEP SIMPLE IRA December 31 balance Roth conversionGoogle ↗
OBSERVEDInstruction
IRS Roth IRA contribution limits 2026 income phase out officialGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequenceReason50%DefinitionInstruction50%Yes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS Form 8606 instructions 2025 pro rata rule traditional SEP SIMPLE IRA December 31 balance Roth conversion Google ↗
IRS Roth IRA contribution limits 2026 income phase out official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Form 8606 instructions 2025 pro rata rule traditional SEP SIMPLE IRA December 31 balance Roth conversion
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1
IRS Roth IRA contribution limits 2026 income phase out official
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1