Roth IRA alternative if you make too much money to qualify

Max HSA is one other vehicle.

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Backdoor Roth IRA.

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i screwed up with this. When i made over the limit i put it in my TIRA and did not backdoor. Main reason was it was already in my damn RIRA (was supposed to be recharacterized but i did not do that, i just withdrew contribution). i invested it too early. Now i wait to make sure i am in the clear.

There are about 15 to 20 mutual life insurance companies that will allow you to take 60 to 90% of the agents commission out of there and Max fund a cash value life insurance policy. They're only three things that allow you to sock money away tax-free and the Roth IRA and municipal bonds are controlled by the government. This private life insurance contract Grows at 4-5% compounded tax-free and also allows you to borrow against the cash value as a non-recourse Simple interest loan to put into another investment with real estate or something that you can control or that you are very familiar with. You could literally have two assets working for you at the same time. That would be my recommendation for you to look at.

Yes you can have a 401k and do a SEP from other income. The 1099 income could be paid into your sub s or llc then take a salary from that. Remember that the 415 limit applies.

this thread discussed something similar.