re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account

How long do you have before you plan to retire? Are your 401k contributions traditional or Roth?

If it’s still a while, backdoor roth may be the way to go.

Also, depending on how your 401k is set up, your plan may allow you to make after tax contributions and roll those into a Roth IRA (mega backdoor). You just need to stay under the total employee + employer annual contribution limit of $69,000.

Also, I am on an expensive long term medication with a HDHP and haven’t had to pay a dime for it due to the manufacturer rebate. You might have already, but it’s worth looking into.

It’s hard to say what’s best for you without knowing what age you plan to retire and how long you have left to save.

I am by no means a financial expert. But these are some things you can talk to someone more knowledgeable about.