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Originally Posted by iDumb
But If u want to avoid paying taxes then u can roll over ur SEP IRA to 401k.
Then put NEW MONEY into a traditional account and then convert that traditional account to roth if u are ineligible to directly put money to roth due to high income . This is called backdoor.
But it sounds to me like u just want to convert ur SEP IRA to roth . Then u just convert and pay taxes . And yes 401k remains separate .
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I think I understand what you are saying. If you roll over your SEP IRA to 401K you won't pay pre-tax but you'll eventually pay taxes when you retire. I guess I was being too greedy, trying to avoid paying taxes altogether, pre-tax/post-tax and after retirement.