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Am I missing something?

You can still invest in IRAs, you just don't get the tax deduction. But you can still take advantage of the tax deferral aspect, i.e. tax free growth, of investing inside of one. FWIW, once I got established in private practice, I didn't qualify either, but I still saved inside of one.

Don't know what your health insurance situation is, but if you can save/invest in an HSA, go for it. It can be a way to set aside another $7000/yr to grow tax deferred.

Then it is pretty much a taxable brokerage account.

On a tangent, do you have 3-6 months of living expenses set aside in cash? Some people get ahead of themselves about investing but forget to plan for accidents/layoffs/emergencies etc. The reason for 3-6 months, also the time frames when disability insurances usually start kicking in. Do you have disability insurance?

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