We need to know the exact step-by-step process for a backdoor Roth IRA because our joint income just crossed the limit, and we are worried about IRS tax traps.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
We need to know the exact step-by-step process for a backdoor Roth IRA because our joint income just crossed the limit, and we are worried about IRS tax traps.
3 real searches · 1 real-search pass
IRS 2026 IRA contribution limits Roth IRA income phase out married filing jointly 2026Google ↗
OBSERVED
IRS Publication 590-A 2025 2026 nondeductible traditional IRA contributions Form 8606 pro rata ruleGoogle ↗
OBSERVED
IRS Publication 590-B Roth conversion traditional SEP SIMPLE IRA aggregation December 31 Form 8606Google ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 2026 IRA contribution limits Roth IRA income phase out married filing jointly 2026 Google ↗
IRS Publication 590-A 2025 2026 nondeductible traditional IRA contributions Form 8606 pro rata rule Google ↗
IRS Publication 590-B Roth conversion traditional SEP SIMPLE IRA aggregation December 31 Form 8606 Google ↗
- Instructions for Form 8606 (2025) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- IRS Form 8606 and instructions · irs.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 · irs.gov
- 2026 IRA contribution limits · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 IRA contribution limits Roth IRA income phase out married filing jointly 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 590-A 2025 2026 nondeductible traditional IRA contributions Form 8606 pro rata rule OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 590-B Roth conversion traditional SEP SIMPLE IRA aggregation December 31 Form 8606 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |