Everyone obsesses over the Backdoor Roth IRA.
$7,000 a year.
Cute.
Meanwhile, there's a strategy that lets you put $46,000+ into a Roth.
Same year. No income limits.
And many high earners have no idea it exists.
Here's how it works:
Your 401(k) has a total contribution limit of $70,000 for 2025 ($77,500 if you're 50+).
Most people only think about the $23,500 employee deferral limit.
But that's not the ceiling. That's the floor.
If your plan allows it, you can contribute AFTER-TAX dollars beyond the $23,500.
Then immediately convert those after-tax dollars to Roth.
Tax-free growth. Forever.
Here's the math:
Regular 401(k) contribution: $23,500 Employer match: ~$10,000 After-tax contributions: Up to $36,500 Immediate Roth conversion: $36,500 into Roth
That's $36,500 going into a Roth account in ONE year.
Compare that to Backdoor Roth IRA: $7,000/year.
You're putting away 5X more.
Over 20 years at 7% growth?
Backdoor Roth IRA: $306K tax-free
Mega Backdoor Roth: $1.6M tax-free
The difference? $1.3 million you never pay taxes on.
Here's the catch:
Your 401(k) plan must allow:
✅ After-tax contributions (beyond the $23,500)
✅ In-plan Roth conversions (or in-service withdrawals)
Call your HR department.
Ask: "Does our 401(k) allow after-tax contributions and in-plan Roth conversions?"
If they say no, ask them to add it. We've had clients get their plans amended just by requesting it.
One more critical point:
You convert the after-tax money IMMEDIATELY after contributing.
This avoids any earnings being taxed. You're only converting the principal.
If you let it grow first, you'll owe taxes on the growth at conversion.
This isn't the same as just choosing "Roth 401(k)" on your payroll form.
It's the 401(k) version of backdoor Roth—but on steroids.
High earners spend hours optimizing backdoor Roth IRAs for $7K.
Meanwhile, the Mega Backdoor Roth is sitting there waiting to let them put away $46K.
Check your plan ASAP!
OpenAI, Google, and Anthropic just published guides on:
• Prompt engineering
• Building agents
• AI in business
• 601 AI use cases
9 of the best guides you can't miss:
🚨 Following extensive research conducted by Bigelow Aerospace and at Skinwalker Ranch (under his former ownership), Robert Bigelow presents his perspectives on spiritual evolution and the afterlife.
Robert Bigelow, the founder of Bigelow Aerospace and the Bigelow Institute for Consciousness Studies, articulates his convictions regarding the afterlife, informed by the comprehensive research he has amassed to date.
3D game dev is about to change forever.
Claude can now talk directly to Unity / Unreal / Blender... so you can build crazy 3D scenes + game with just prompts.
3 MCPs to try this weekend. Bookmark this.
1. Blender MCP
Ross Coulthart confirms evidence of the secret military base under Sedona which Pleiadians have already disclosed.
To recap, beneath Sedona is the primary Galactic Federation base on Earth where Elder Ikai is often stationed, called "BASK".
Beneath BASK is the "Haven of Light" where all Earth-native souls go at physical death. Yes Sedona is this important to Earth.
A human base was allowed to be built near BASK for regular Galactic Federation contact. Military personnel travel here by aircraft or by underground tunnels.
Coulthart talks about the portals in Sedona but there's still a lot of confusion about portals.
To clarify, portals exist in Sedona near massive quartz crystals that were placed underground for the Shift. Additionally, Galactic Federation can open portals for travel in any location they want.
Many in the UFO community still assume that humans have already conquered space with reverse-engineered technology, but these narratives only serve to conceal Galactic Federation.
The truth is much better. There are humans traveling on Galactic Federation crafts, including to off-world bases. Humans will soon be given everything by Galactic Federation, and will join them.
This is what Pleiadians say about Sedona's secret white hat military base:
#LAKA (2023) - "Large tunnels and passages that span miles are easily accessed by motherships. As occupants leave the craft, they are quickly transported by small vehicular crafts to meeting places that are top secret to all other military personnel.
Doorways that are encoded with light will open and expand to welcome these representatives from many places. The large rooms are encased in steel and cannot be penetrated by any machine or explosion. Here is the place of secrets and power!
Screens rise from the floor as images of Earth appear as programmed by telepathy. Be assured that all places on Earth are easily accessible by sight and current activity. Whether earthquakes, tsunamis, war or planned pandemics, these mighty forces of light are ready to take action.
Many humans that have agreed to the special forces of light will enjoy flying in motherships as well as smaller crafts that are stationary in the area above Sedona.
Some will choose to be encoded to not remember this activity in an effort to preserve privacy while serving. Others choose to know and remember as they are awakened and fully remember their home of origin and the many crafts they enjoy!
This powerful military base has many helicopters over the area that are occupied by white hats. They survey and report activity around the mountains where many traverse trails for leisure.
It is always in the best interest of safety that all visitors in Sedona are kept miles from the area. There are moments of small rock falls or debris from areas high above. Military ops will assure that no one arrives in the area of meetings.
This base of operations is not accessible to any human that might decide to explore the area. There are miles of terrain that is blocked by massive red mountains that allow no entry by ground or air. The large tunnels that open into the red rocks allow ample space for each mothership to enter.
Vehicular crafts allow each occupant to be carried with speed to the checkpoint of entrance. The encoding of light within each member opens massive doors at the end of large curving tunnels. Telepathy is used with all vehicles and between members of the Galactic Federation.
All humans that have access to any bases are programmed, encoded with light and assisted with telepathy. This is the assurance of their commitment to top secret methods and technology. All personnel are treated with utmost respect by all galactic races.
This powerful military base is created ten miles from BASK. There is often interaction between the two bases by screens and telepathy. If someone desires to join the other base for a meeting, this is only done for those from higher densities as BASK is created in the non-physical aspect of life!"
[Ross Coulthart interviewed on American Alchemy Podcast]
THE MONEY MASTERS | HOW INTERNATIONAL BANKERS GAINED CONTROL OF AMERICA
William T. Still
An excellent 3.5 hour documentary on the history of money, The Federal Reserve, the takeover of the Rothschilds & Private Central Banks.
Heads need to roll..
🚨The CDC Held a Secret Meeting, known as ‘Simpsonwood’, after a Study showed the Hepatitis B Vaccine was Causing Autism in Children
• A study was conducted, comparing babies who got the Hepatitis B Vaccine (loaded with mercury, Thiomersal) within the first 30 days to babies who never got it at all.. ⬇️
🔴 WHAT THEY
FOUND WAS SHOCKING!
• The CDC’s own data containing the medical records of 100,000+ children, showed that a mercury-based preservative in the vaccines known as, Thimerosal, was responsible for a dramatic increase in autism and a host of other neurological disorders among children.
—— speech delays
—— attention-deficit disorder
—— hyperactivity
—— Autism
⬆️ For comparison, the relative risk of developing lung cancer from smoking a pack of cigarettes a day for 20 years, is 10….
But if your child was vaccinated with the Hepatitis B Vaccine, the likelihood of your child developing autism was 11.35!
🔴 THE CDC PUSHED THE PANIC BUTTON
• The CDC held a secret meeting, later to be known as “Simpsonwood”, with top government public health officials, all major agencies (FDA, CDC, NIH, WHO, HHS), as well vaccine manufacturers, including GlaxoSmithKline, Merck, Wyeth and Aventis Pasteur.
—— There were ZERO public announcements of the session, only private invitations.
• The CDC was afraid the meeting would be subjected to Freedom of Information Requests (FOIA)… so In June 2000, they gathered everyone for a meeting at the isolated Simpsonwood Methodist retreat conference center in Norcross, Georgia, along Chattahoochee River, to ensure complete secrecy.
🔴 BUT SOMEBODY RECORDED THAT MEETING…
• RFK Jr got ahold of those transcripts in 2005 and says,
—— “it’s horrific! It’s a nightmare! They looked at the science and said it’s 100% bulletproof, WE ARE CAUSING AUTISM!”
• Instead of taking immediate steps to alert the public and rid the vaccine supply of thimerosal, the officials and executives at Simpsonwood spent most of the next two days discussing how to cover up the damaging data. According to transcripts obtained under the Freedom of Information Act, many at the meeting were concerned about how the damaging revelations about thimerosal would affect the vaccine industry’s bottom line.
🔴 COMMITTEE INVESTIGATION
• Despite clear evidence from their own mouths, a Senate Committee investigation found these claims to be “unsubstantiated”… from individuals who had clear financial ties to the industry.
—— Dr. Sam Katz, the committee’s chair, was a paid consultant for most of the major vaccine makers and was part of a team that developed the measles vaccine and brought it to licensure in 1963.
—— Dr. Neal Halsey, another committee member, worked as a researcher for the vaccine companies and received honoraria from Abbott Labs for his research on the hepatitis B vaccine.
—— The House Government Reform Committee discovered that four of the eight CDC advisers who approved guidelines for a rotavirus vaccine “had financial ties to the pharmaceutical companies that were developing different versions of the vaccine.”
• Rep. Dan Burton, oversaw a three-year investigation of thimerosal and found there was a coverup and vaccines with Thimerosal caused autism
—— “Thimerosal used as a preservative in vaccines is directly related to the autism epidemic,” his House Government Reform Committee concluded in its final report.
🔴 FAST FORWARD
Since 1991, when the CDC and the FDA had recommended that three additional vaccines laced with the preservative be given to extremely young infants — in one case, within hours of birth.
The estimated number of cases of autism has since increased fifteenfold, from one in every 2,500 children to one in 36 children.
When President Trump took office, shortly thereafter appointing RFK JR, these vaccines no longer contain mercury — which is a victory from God.
https://t.co/i7H8kVdUuU
Learn how to build your own AI agent from scratch with Gemini 3 Flash and the Gemini Interactions API. Practical guide designed for everyone starting from simple text generation to a functioning CLI Agent using the Interaction API.
🛠️ Construct a working prototype in under 100 lines of code.
🚀 Start from basic text generation using the Gemini 3 Pro model.
⚙️ Define function capabilities using JSON schemas.
🔄 Build a logic loop to intercept and execute tool calls.
⚡ Uses previous_interaction_id (server-side state)