<prompt> Human: My husband and I are recently married, under 30, work in the tech world and want to continue contributing to a tax-free investment option. This is kind of a new playing field for us since we both came from struggling households, so we arent sure what all the possibilities are.We live within reasonable means and go on lots of great trips, so were definitely investing in our present as well as our future. We just want to invest in all of the options early while we have the opportunity :  <response>: You can always contribute to IRA. The income limit is for deducting the contribution. The next step after the non-deductible contribution is to convert it to Roth IRA. Look up backdoor Roth IRA 