A back door Roth IRA is ...

Group of answer choices

A. no longer an option in 2020 as the loophole that allowed it has been changed.

B. a way fro someone to do a Roth conversion if their income exceeds the limits for Roth IRA conversions.

C. a way to take advantage of a loop hole in the rules such that someone can make a contribution to a ROTH IRA and still take a deduction for the contribution,

D. a way for someone who exceeds the contribution limits for Roth IRA's to still make an IRA contribution via a traditional IRA contribution and conversion to a Roth