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... I guess that limits me to $5K....

If you are married, then your spouse can also make an IRA contribution even if they don’t have income.

There are also various education savings accounts if you have kids.

I’m not up to speed on them but you should also look into HSA’s (healthcare savings accounts) if you are providing your own health insurance.

If you are in a very high tax bracket then annuities and life insurance will make sense once in a blue moon but don’t invest in them unless you have had a fee only(by the hour) financial advisor review your situation. More often than not these are either outright bad investments or sold in inappropriate situations.

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