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@missmae You need to have a 401(k) that allows you to make after-tax contributions. If yours allows this, you can use these to contribute up the annual max of employee+employer contributions, which is $66k in 2023. Then you take the after-tax contributions and do an in-service non-hardship...

@missmae Have you maxed out Roth/backdoor Roth? Does your 401k have a mega backdoor Roth option?