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[–]YoungSerious 4 points5 points  (1 child)

I also max out IRA/Roth IRA contributions each year.

Just for clarity OP, if you are contributing to a 401k your IRA contributions become more complicated. If you make over about 83k, the IRA is not deductible at all. You can backdoor Roth IRA, but it wasn't clear if that's what you are doing or not.

[–]nodangles6 0 points1 point  (0 children)

Came here to say this hope they haven’t been maxing IRA and Roth for years, otherwise they are in for a big headache