I have a brokerage account that I have used for my Roth. I have heard about backdoor Roth, but it seems complicated and I didn't want to do something wrong and get into hot water if I didn't understand the protocol properly (probably unfounded I know).

I know I need to do more, but as a teacher it has been hard to contribute more on my salary than the $6500 when I focused on being debt free and having an emergency fund right after college as a single income. These days, I finally have the income to work with but not so great advice which is why I am here.