<prompt> Human: My wife and I are 40, do fairly well, and have realized that if we buckle down we can save 57K per year before taxes. Ive looked at max contributions for Roth IRAs and 401ks. It looks like well be able to max those out? What should I do with the rest?  <response>: An HSA is the other big tax advantaged account. If you have a HDHP, you can add 6750 to that.If you work for a larger company, they may allow after-tax 401k contributions. The limit on all a persons 401k accounts with this included is 53,000. Most people if their plan allows then roll these over into a Roth IRA once or twice a year. Google MEGA Backdoor Roth or something like that. 