[sigstoat]

if you have an employer sponsored retirement plan available to you, then making over a certain amount means that your traditional ira contributions aren't tax deductible. at that point you should make roth ira contributions instead. (until you make so much you can't contribute to a roth at all, at which point you can go back to making non-deductible contributions to a traditional ira.)

https://www.irs.gov/retirement-plans/2017-ira-deduction-limi...

[frgtpsswrdlame]

This, roth's are great. Also if you still have more money after the 401k and roth and you're thinking you may have children/grandchildren 529's are another good tax-advantaged vehicle.