A couple making $235,000 a year is asking for financial advice.


They have:
• $3,000 left over every month
• $30,000 in emergency savings
• $8,000 in monthly expenses
• A baby due in January
But they haven’t contributed to either spouse’s Roth IRA.
The question:
Would you…
Build the emergency fund from $30K to $50K first?
OR
Backdoor both Roth IRAs?
What would you do?
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