Long story short: used to be full time employee and my employer contributed 11% to my 401 and 457. August 2025 I Dropped down to less than 40 hours a week (specifically 37-38.5h a week) to accommodate taking kids to and from school. They took away my retirement contributions as well as vacation/sick accruals. It’s ridiculous, I know. I’m working on reinstating said benefits. I have not contributed to retirement since then and it weighs on me every day. I know I need to be doing something and I also have 60k sitting stagnant in my employer accounts.
Husband and I make too much to contribute to a Roth IRA and I’ve trying to grasp a “backdoor IRA”. Where and how do I do this? Is this a yearly thing I need to babysit before tax time? Help.