<prompt> Human: Im looking for some advice on retirement planning with a high income. I currently make between 300-600kyr, which means that even after maxing my 401k at 18k which I do as a Roth so I can jam more effective money into it, thats a paltry 4 savings rate at the midpoint of my expected income and my fixed living expenses arent crazy. Im 32, so I want to use this time to stash away as much as I can -- Ill do it in a taxable brokerage account if I have to, but what other options are there? I do expect my income to continue to increase, and would like to retire relatively early maybe 50. I do not own a business and dont really have time for side gigs, so the whole SEP-IRA and personal 401k tricks dont really work and to get them to work, Id have to buy myself a side business which introduces a lot of work, risk, and may have negative returns that negate the tax value. Ive been pitched whole life as a savings vehicle which seems to make a lot of sense; I can contribute enough over the premiums where they become a relatively insignificant expense compared to the tax savings, but I am concerned about generally low rates of return and the impact on my asset mix. What else should I be considering?  <response>: Try rfinancialindependence. There are enough high income people there that you should be able to find more applicable advice. I think rFatFIRE is also a sub, specifically for the high income folks. 