1) Yes. The $3 in the tIRA is probably interest incurred between contribution and conversion. When you do this year's backdoor process, just convert "everything" in the tIRA to Roth. That will increase your taxable income by $3, thus likely increasing your tax by $0 or $1.
2) Yes, if your solo 401k plan is structure to allow this.
3) Putting money into different account types just to have money in different account types is probably not what you should do.
Consider putting
a) as much into traditional at your current marginal tax rate that you expect will be withdrawn in the future at that marginal rate or lower.*
b) after that, as much as you can into Roth
c) and the rest into taxable.
*If you want to be more aggressive, increase the traditional amount such that your expected withdrawal marginal rate will be "somewhat" above your current rate, per the discussion in "Traditional plus taxable" vs. Roth.
In general, see Investment Order and Prioritizing investments for suggestions that will work well for most people. How do those look to you?
2) Yes, if your solo 401k plan is structure to allow this.
3) Putting money into different account types just to have money in different account types is probably not what you should do.
Consider putting
a) as much into traditional at your current marginal tax rate that you expect will be withdrawn in the future at that marginal rate or lower.*
b) after that, as much as you can into Roth
c) and the rest into taxable.
*If you want to be more aggressive, increase the traditional amount such that your expected withdrawal marginal rate will be "somewhat" above your current rate, per the discussion in "Traditional plus taxable" vs. Roth.
In general, see Investment Order and Prioritizing investments for suggestions that will work well for most people. How do those look to you?
Statistics: Posted by FiveK — Sat Oct 11, 2025 6:46 pm — Replies 1 — Views 155