<prompt> Human: My understanding is that once you hit 118k a year in income you can no longer do Roth IRAs. I will likely hit that in 2018 after bonus. I contribute 20k or so a year to Vanguard funds. Should I just stop the Roth and move that 5,500 a year to the Vanguard account, or is there something else I should consider?Currently I do the following:-10 of income 401k-max out Roth 5,500-max out HSA 3,400-put all extra cash in Vanguard Index Funds approximately 20k a year.-emergency fund established -low interest mortgage and modest car is my only debt-40, single, no kids, live in Dallas...where it is cheap to live.Thanks!Edit: First, thank you all for the comments. Second, I just realized that if I hit 118, it will just be barely. So all I need to do is up my 401k a couple points a year until I hit that limit to keep my W-2 income below 118...then I can keep going with my Roth.  <response>: I would max our your 401k at that income level. Save lots on tax. Then contribute to the Roth IRA through the back-door loophole. 