If those pesky income limits are keeping you from opening and contributing to a Roth IRA, you can also do a Roth conversion by rolling over funds from an existing traditional 401(k) to a Roth IRA. It would achieve the same goal as a backdoor Roth. Just keep in mind that because you’re transferring money from a traditional account to a Roth, you’ll owe taxes on whatever you roll over now, so make sure you have cash in hand when tax season rolls around.