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Also neglects to mention you can have a 401k and a Roth IRA and that if you have a spouse with income they can open up a Roth as well. For financial advice I think it's really important not to miss details like that.

Also an HSA can be used to shelter a bit more income. If you don't consume much health care a HDHP may be the way to go.

There is also the backdoor Roth, but I never wrapped my head around it.



The gist of the backdoor Roth is that you make a traditional contribution and then roll it over into a Roth before tax season. There is no income limit on roll-overs and you aren't taking the benefit of a traditional IRA at tax time so the IRS doesn't care that you set it up in the first place.




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