as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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if i make over 120k a year, what are my options for retirement plans?
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the other alternative: just invest it in tax-efficient investments. you will have limited tax-deferral options outside of your 401k, but don't let that limit you. you can invest in a variety of etfs, stocks and mutual funds for growth, and tax-free investments like municipal bonds as you get older and need to draw income.
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