text:  And so we could open up an IRA in her name, but not just any IRA. They said, well, we're making too much money to put it in a Roth. How are we going to be able to put money in a Roth IRA as we're making too much money? Well, what we can do in their situation was something called a backdoor Roth. We can open up a non-deductible IRA.