 We just found out in April when we filed our taxes that we make too much money to contribute to Roth IRAs. So my question is, do we go to a traditional IRA or do we just go to a brokerage account since he's already receiving his retirement? You could do a backdoor Roth IRA if you wanted to. You could work with one of our smart investor pros to make that happen. It kind of sounds shifty because you say backdoor, but it's not. It's just basically the idea of you putting the money into a traditional and immediately rolling it over into a Roth IRA.