Wealth Roth

{
  "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"
  },
  "contribution_limits_2026": {
    "401k_employee": "$23,500 ($31,000 if 50+)",
    "employer_match_note": "Always capture the full employer match first regardless of Roth vs Traditional",
    "ira": "$7,000 ($8,000 if 50+)",
    "total_401k_with_employer": "$70,000 combined limit for mega backdoor"
  },
  "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.",
  "income_summary": {
    "estimated_marginal_rate": "22% federal",
    "filing_status": "single",
    "phase_out_note": "2026 Roth IRA phase-out starts at $150,000 (single)",
    "provided_income": "$95,000",
    "roth_direct_eligibility": "eligible"
  },
  "ira_platforms": [
    {
      "best_for": "Best overall Roth IRA — lowest costs, best fund selection",
      "description": "Most popular Roth IRA platform — zero expense ratio index funds, no minimums",
      "platform": "Fidelity Roth IRA",
      "url": "https://www.fidelity.com/retirement-ira/roth-ira"
    }
  ],
  "recommendation": "roth",
  "recommendation_reasoning": "Current 22% bracket is likely below your retirement-year rate, so paying tax now favors Roth",
  "rmd_consideration": "Roth IRAs have no RMDs during your lifetime, unlike Traditional IRAs (RMDs start at 73)",
  "tax_math": {
    "contribute_roth_scenario": "No deduction now, fully tax-free in retirement",
    "contribute_traditional_scenario": "Deduct now at 22%, taxed on withdrawal in retirement",
    "which_wins": "Roth wins if your retirement tax rate is equal to or higher than today's"
  }
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://wealthpulse.theaslangroupllc.com/api/wealth/roth?age=35&filing_status=single'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://wealthpulse.theaslangroupllc.com/api/wealth/roth?age=35&filing_status=single' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.1 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.1" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.1 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fwealthpulse.theaslangroupllc.com%2Fapi%2Fwealth%2Froth
const res = await pay("https://wealthpulse.theaslangroupllc.com/api/wealth/roth?age=35&filing_status=single");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.1 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.1"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://wealthpulse.theaslangroupllc.com/api/wealth/roth?age=35&filing_status=single")
    print(res.status_code, res.text)