The absence of RMDs allows account balances to grow tax-deferred, providing flexibility in withdrawals and potential wealth preservation for heirs.In summary, for high-earning W-2 employees, the Backdoor Roth IRA is a strategic financial tool that opens doors to tax-efficient retirement savings, overcomes income limits, and aligns with strategic tax planning.

Obviously these are problems that can be overcome by just holding the A-B for the "seasoning period" before doing the B-C but than the increased risk and time value of money rears its head.Thanks for the good advice on this subject.

But this is not something that can't be overcome with practice.

A pool definitely helps with the summer months but you can overcome that with some if everything is super sharp and inviting.You also need to decide what is the shortest term you want?

I think most here will tell you to buy a rental and I agree, but if you're very risk adverse, early repayment a great thing too.

Here are some factors to help you make an informed decision:SDIRA vs. e-QRP:SDIRA (Self-Directed Individual Retirement Account):Allows for a broader range of investment options, including real estate.Provides more control over investment decisions.Requires custodial services, and there may be fees associated with the SDIRA provider.Strict rules and regulations to ensure compliance with IRS guidelines.e-QRP (Enhanced Qualified Retirement Plan):Similar to a 401(k) but with enhanced features for greater flexibility.Generally, more streamlined than SDIRA with fewer administrative requirements.Allows for real estate investments, business investments, and more.May offer more control and fewer restrictions compared to SDIRA.Financing Considerations:Both SDIRA and e-QRP can be used for financing, but the terms and conditions may differ.Check with your chosen custodian or plan administrator to understand the borrowing rules and any potential penalties.Tax Implications:Understand the tax implications of using retirement funds for real estate investments.Consult with a tax professional to ensure compliance and to minimize any adverse tax consequences.Market Conditions:Consider the current real estate market conditions in the location where you plan to buy the beach house.Evaluate potential risks and rewards, especially in the context of your investment horizon.Long-Term Strategy:Since you're planning to work for another five years and potentially sell the house later, ensure that your investment aligns with your long-term financial goals.Interest Rates and Economic Conditions:Monitor interest rates and economic conditions, as they can impact the timing and profitability of your real estate investment.Professional Advice:Consult with financial advisors, tax professionals, and legal experts to get personalized advice based on your specific financial situation and goals.Due Diligence:Perform thorough due diligence on the property, renovation costs, potential rental income, and local market trends.Remember that real estate investments, especially with retirement funds, require careful planning and adherence to regulations.

If at any time owner does not authorize necessary repairs or adjustments that affect the well being and or safety of person, or if manager determines at any time that for any reason, continued representation of owner may adversely affect the reputation of manager, manager may unilaterally terminate this agreement by giving owner 60 days written notice prior to first day of the month.

In your experience, is hiring/partnering with a qualified and experienced manager enough to overcome the fact that is is my first fund?

Unless you have deep pockets and are adverse to risk this is a large risky project.

Perseverance is all you need right now. my guess is that it won't be long until you stop lIrving by the skin of your teeth.I'd love to see this same post next year...but you need to tell us how you've met your goals and overcome adversity.Good luck to you