<prompt> Human: Morning PF!My wife and I had a solid year this year and Ive realized we are hitting the ceiling for Roth IRAs. I havent yet contributed to our iras this year usually pay with stock ESPP payout in December, but now Im not sure what to do?Whats my best option? Back door IRA? Contribute more to 401k? Regular brokerage account?New territory for me, thanks for your help!  <response>: Id definitely both be maxing out your 401ks at your income level. Once thats done, Id wait until the close of the year and see what your MAGI is total earnings minus your traditional 401k contributions and decide if you need to backdoor your Roths at that point. 