If you’re a high-income earner and you’ve realized you make too much to contribute directly to a Roth IRA, you’ve probably hit what we call the “Roth wall.” And if you’ve been taught for years that the Roth is the holy grail… that wall can feel like the end of the road.

In this episode, Christian Allen and Rod “the Pod” Zabriskie zoom out and reframe the question. Because wealth builders aren’t just hunting for the best tax container—they’re building a system. A Roth can be a powerful tool inside that system, but for many high-income earners, it’s often a small piece of the overall wealth equation (especially when you’re saving serious dollars every year).

They break down what options actually exist—like Roth conversions, the backdoor Roth, and the mega backdoor Roth (with the real-world caveat that plan rul ...