Ok, so I’ve been contributing to a backdoor for almost a year, and since I don’t have the liquidity to just find it outright at the beginning of the year, I put some in each paycheck. Sometimes while it’s sitting in my settlement fund, it will gain like $0.10-$0.30 before I get a chance to move it to my rIRA.

I know after a certain point, you can be taxed on those earnings, but at what point is that? If I have a total of like $5 in earnings in my tIRA the whole year, does that jeopardize my rIRA, or would I just owe on that $5?