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Right now, I contribute up to the match limit to an IRA account. It sounds like you are suggesting that future contributions should be:

1. make employee contributions Roth IRA contributions instead of regular IRA, a small incremental options that I forgot to mention.

2. continue to increase contributions as affordable as Roth IRA contributions.

3. after that is maxed out (would need big raise for that), contribute to Coverdell ESAs (This is new to me. I thought 529s were the only available eduction tax shelter.)

Thanks to you and others who responded so quickly.
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