<prompt> Human: Im 37. Im unmarried. My domestic partner 12 years is 32. I earn 165-185k per year and my partner makes about 100k. Were in IT in a high demand market. Our income was significantly lower just 5 years ago. I have about 75k in retirement accounts and my husband has about 40k. I know we are behind. Were not the best at saving but the last 10 years weve focused on student loans and our house. Weve paid off 140k in student loans and mortgage principal. Today we have 100k in equity in our home just appraised at 560k and just paid off the last of our 90k student loans, finally 6 interest on those. Hes contributing about 15k per year to his 401k its been a long road to talk him into contributing 15. In the last year my income has gone from 120k to 186k this year, and my 401k will be capped this year according to Highly Compensated Employee rules to about 2-3k. I anticipate a forced withdrawal of about 11k from the 401k I didnt know about the HCE rulecalculation until Id contributed 13-14k. So my question is... what investment vehicles should I look into? I just started contributing 400 per paycheck biweekly to a Roth IRA which should max it out at 5500. But I dont feel 5500 2000 401k me 15,000 401k partner is enough savings for a household income of 275k. The reason my income is a range is because my salary is 140 and I got to 186 with various bonuses. However, things are lining up where Ill probably qualify for a promotion and raise in the next 6 months.How to save without a viable 401k for me? This has been my go to in the past. The reason mine isnt higher is I had uncovered medical expense about 5 years ago that wiped out 35k from the 401k. That and Ive been focused on student loans of 90kThanks in advance! This is my first posting like this!  <response>: I earn 165-185k per yearI just started contributing 400 per paycheck biweekly to a Roth IRA I think you might make too much to contrite to a Roth. 