<prompt> Human: background 33 married 2 kids 4 and 1 Wife doesnt work, has oilgas royalties I make approx 210k. We used to both contribute to Roth IRAs, but cant. I max out 401k and HSA contributions. My question is, what other tax advantaged vehicles are there? If not, whats the most tax-efficient way to keep saving? Ive read about whole life policies with cash accumulation, purely for the tax benefit of the premiums, but Im not sold on that concept.I really think I need to hire a personal finance guy, but Im stubborn and want to do everything myself!!Thanks for your thoughts.  <response>: Back. Door. Roth. IRA. 