wealth roth derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {
      "age": "35",
      "filing_status": "single"
    }
  },
  "output": {
    "type": "json",
    "example": {
      "tax_math": {
        "which_wins": "Roth wins if your retirement tax rate is equal to or higher than today's",
        "contribute_roth_scenario": "No deduction now, fully tax-free in retirement",
        "contribute_traditional_scenario": "Deduct now at 22%, taxed on withdrawal in retirement"
      },
      "disclaimer": "For informational purposes only. Not tax or financial advice. Consult a tax professional before executing backdoor Roth conversions if you have existing Traditional IRA balances.",
      "amazon_link": "https://www.amazon.com/s?k=Roth+IRA+conversion+strategy&tag=pulsenetwork7-20",
      "amazon_search": "Roth IRA conversion strategy",
      "backdoor_roth": {
        "eligible": false,
        "how_it_works": "Not needed — direct Roth IRA contributions are still allowed at this income",
        "pro_rata_warning": "Applies only if you later contribute non-deductible and hold existing Traditional IRA balances"
      },
      "ira_platforms": [
        {
          "url": "https://www.fidelity.com/retirement-ira/roth-ira",
          "best_for": "Best overall Roth IRA — lowest costs, best fund selection",
          "platform": "Fidelity Roth IRA",
          "description": "Most popular Roth IRA platform — zero expense ratio index funds, no minimums"
        }
      ],
      "income_summary": {
        "filing_status": "single",
        "phase_out_note": "2026 Roth IRA phase-out starts at $150,000 (single)",
        "provided_income": "$95,000",
        "estimated_marginal_rate": "22% federal",
        "roth_direct_eligibility": "eligible"
      },
      "recommendation": "roth",
      "rmd_consideration": "Roth IRAs have no RMDs during your lifetime, unlike Traditional IRAs (RMDs start at 73)",
      "contribution_limits_2026": {
        "ira": "$7,000 ($8,000 if 50+)",
        "401k_employee": "$23,500 ($31,000 if 50+)",
        "employer_match_note": "Always capture the full employer match first regardless of Roth vs Traditional",
        "total_401k_with_employer": "$70,000 combined limit for mega backdoor"
      },
      "recommendation_reasoning": "Current 22% bracket is likely below your retirement-year rate, so paying tax now favors Roth"
    }
  }
}