Which of the following statements is FALSE?

Group of answer choices

A retiree$$s income tax rate depends on how much they withdraw from their retirement savings during the year $($IRA or $401$K$).$

A tax diversification strategy involves appropriately allocating your portfolio between stocks, bonds, commodities, and real estate.

"Back$-$door" Roths allow high$-$income individuals to work around the income limitations typically associated with Roth IRAs.

Investments in Roth $401$Ks are made with after$-$tax dollars.