Ryan Odom
Ex‑financial advisor; practical tax planning (HSA, 401(k), backdoor/mega backdoor Roth), high-income strategies.
Mega Backdoor Roth: Bypass Income Limits via 401(k)
My favorite loophole in the US tax code The IRS says if I make over $168K filing single or $252K married filing joint I cannot contribute directly to a Roth IRA but what I can do is use my 401K plan to get $72K into my Roth IRA every single year It's called the mega backdoor Roth and here's how I do it:
Big‑Tech Employees Use Simple Playbook to Earn Extra Income
To anybody at Apple, Amazon, Meta, Google, Microsoft/LinkedIn, Broadcom, Salesforce, and a handful of other big tech companies Here's the general playbook that people I work with are running (w/o going into Airbnbs/short-term rentals or starting a business):
Slash $1.4 M Tax Bill Without Extra Work
I saw a post from someone sharing they made $2.5m in personal income last year in California. Got crushed by taxes ($1.4m between federal, state, and self-employment taxes) so she was starting to look at what she can do. Doesn’t...
Add a Solo 401(k) to Boost Side‑Hustle Savings
To anybody with a full-time W-2 and a side hustle in 2026: You can likely open a solo 401(k) for your side hustle and use this to get up to $72K into this plan on top of what you put into...
Direct Indexing Solves My Personal Planning Challenges
Of course direct indexing is not for everybody. But here's the problem it solves for me and my personal planning:
Strategic Tax Planning Saves Over $260K Annually
If I did no tax planning or strategy, I'd give up $260K+/year to federal, state, and self-employment taxes. Here's every move I have mapped out for 2026 and why:
Backdoor Roth Bypasses Income Limits
One of the dumbest loopholes in the US tax code The IRS says if I make more than $168K filing single or $252K married filing jointly in 2026 I cannot contribute directly to a Roth IRA But I can still get funds inside...
Free 12-Strategy Tax Course for 1099 Earners
Who hasn't received my free course with 12 tax-saving strategies? Best for those with 1099 income. Includes backdoor Roth, mega backdoor Roth, etc. Vote below if you haven't gotten it and I'll comment/DM it to you
S‑Corp Election Cuts Payroll Tax for $1M Cardiologist
Checklist created for a cardiologist doing $1 million plus a year in Minnesota (1099 income) - LLC taxed as an S corp. $400K reasonable salary = $34,786 of payroll tax vs. $54,680 of self-employment tax without the S election on a...
Still Open Solo 401(k) for Side Hustle, Contribute $70K
If you haven't filed your 2025 taxes yet and you had a side hustle for the 2025 tax year You can still open a solo 401(k) for your side hustle and use this to get up to $70K into this plan....
Mega Backdoor Roth: Solo 401(k) Unlocks $70K for High Earners
This is the most popular time of year for my favorite loophole in the US tax code The IRS says if somebody made over $165K filing single or $246K married filing joint in 2025 they cannot contribute directly to a Roth...
Young High Earner Leverages 401k and Beyond
25-year-old We started working together just under 1 year ago. Makes $300K as a W-2 and another $80K/year in 1099 income (about $60K profit). He was maxing his company 401K but wasn't sure what else he could do so here is...
Robinhood Credit Card Turns Everyday Spending Into Instant Investments
I have lots of things to say about Robinhood Most of them aren't good. But the credit card is wonderful. Use it for health insurance, car insurance, rent (I sublease so the rent exclusion doesn't get triggered), and just about everything...
Amazon Engineer Earns $405K + $9K Monthly Side Gig
Amazon employee Makes $405K/year in California including RSUs and another $9K/month in 1099 consulting income that he picked up in June of 2025. Here's everything we are looking at and why:
SEP IRAs Limit Advanced Tax Strategies—Consider Better Options
SEP IRAs are a dead giveaway that somebody has room to do great planning 1.) They block backdoor Roths 2.) They reduce QBI more than solo 401ks do since SEP IRAs only allow employer contributions 3.) They do not support the mega backdoor...