<prompt> Human: I can max out my 401k, but my salary is too high for an IRA. I would prefer not to backdoor roth considering no one knows if the IRS will do something about that kind of contribution. What else can i do ontop of 401k at this point? Thanks  <response>: Do the backdoor roth for now. Its still valid and youll be grandfathered in for this year even if the legislation changes.HSA is small but worth it if you have the option.See if you can do the mega backdoor Roth some employees offer it - you can contribute up to 53kyear - Other than that, its 529 plans for kids or regular brokerage accounts.Too add to this... if youre investing in a normal brokerage account, consider a small part of your portfolio be in tax-free muni bonds. Theyre safer than corporate bonds and are federal and state tax free if bought from your jurisdiction making their effective rates that much higher. 