<prompt> Human: My wife works as an administrator at a charter school that doesnt offer any sort of retirement savings plan - No 403b and no 401k. Shes interested in getting taxed less at the end of the year by saving through some sort of pre-tax contribution vehicle. She already does a Roth IRA, but the cap is at 5500 which she already maxes out. Since she doesnt have a 403b available through her employer is there any way she can save an additional 18,000 like most people do in a 401k? What would you recommend and why?  <response>: Do either of you have access to an HSA?Do you two file jointly or separately?You can do a mega backdoor Roth if your 401k provider allows in-service distributions. While that wouldnt help your wife, its less in tax youll pay at retirement by getting it into a Roth vehicle now. You guys should be looking at these issues together, not her tax vs. my tax imo. 