"Have you checked into an HSA account? You don't have to spend the money, rolls over from year to year and can act as an "extra" retirement account if you're healthy and you've accumulated money."JLCAn HSA can only be contributed to if one is not currently covered by health insurance. Although the OP doesn't say, at this level of income, it would be unusual for the employer not to offer health insurance.BruceM
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