In this episode, I reveal the Roth 401(k)—the backdoor most high earners don't know exists that lets you put up to $23,500 (or $31,000 if you're over 50) into tax-free retirement money even if you make too much for a Roth IRA, explaining how this strategy avoids required minimum distributions, protects your Medicare premiums, and creates estate planning gold for your heirs.