<prompt> Human: I am an adult model who has been making a six digit income for the past five years. I know this career pathincome is not forever, so I have tried to spend and invest wisely. I have invested in an IRA, index stocks, and a couple individual stocks. I I do not have any debt. I still pay rent, but have hopes of buying a house in the future. As an independent contractor, I have been paying about 30 in taxes each year, so I always make sure I am sitting on a lump sum for that. However, my accountant has suggested I look into a defined benefit plan to help lower my tax payout and help further my investments. Is this something I should legitimately consider? Or are there other options for me? Each year that goes by I wonder if I could be doing something smarter with the money. I appreciate any help I can get with this!  <response>: If you are making 6 figures and you anticipate the career ending soon, my biggest piece of advice is reducing your current lifestyle budget. If you dont plan on getting a job paying nearly as much you should adjust your lifestyle now to what you might be living at when you lose the modeling career. Save as much as possible and even when the career ends you will be smooth sailing. 