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 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.