<prompt> Human: My wife and I file our taxes jointly in the US and our income has risen to a combined 235k. I max out my 401k at work and we max out an HSA. The problem is her job doesnt offer a 401k. We are above the max income threshold for IRA contributions so without a 401k, she isnt able to invest in a tax deferred account. Are there any other tax differed options out there? We have been investing a portion of her income and his as well in a standard investment account and its growing just fine but wed like to have something like a 401kIRA.  <response>: Backdoor Roth if she doesnt have current trad IRA assets, or not many of them. Its a Roth rather than trad, obviously, but better than taxable. 