What the actual f%%%! I just looked it up. Not that I didn’t believe you. I just never looked into it.

For reference for others…

https://investor.vanguard.com/investor-resources-education/a...

I’m both under the limit to contribute to a Roth since I am married and my company offers an “after tax 401K” (different than a Roth 401k) and I’m over 50 so I can do catch up contributions.

I’m a long way before I need to worry about backdoor contributions.