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@captainfaris Also if they fully fund a 401k pretax(at 22,500 or whatever it is next year) they may be able to partially contribute to a Roth IRA as their take home income would be just under the requirement. They’d need to watch out for bonuses though

@captainfaris I think you should up your 401k contributions a bit more to max it out. Then max out a Roth IRA as well