<prompt> Human: I currently contribute 5500year into my Roth IRA. I keep reading about how the Backdoor Roth allows you to contribute more than that. So, a few questions...How does one open a traditional IRA with pre-tax dollars if its not through you employer? My employer offers a 401k but not IRA options.Can I contribute more even though I max out my existing Roth?  <response>: If you are allowed to contribute 5500 directly into your Roth IRA, then the backdoor Roth strategy is not needed. It does not open the possibility of putting more than 5500 into your Roth. It is useful only for those whose income is so high they are not allowed to do direct Roth contribution. 