I'm definitely late in learning this stuff and have gone through the top questions on this site like

1. *[I'm 23 and was given $50k. What should I do?](https://money.stackexchange.com/questions/54132/im-23-and-was-given-50k-what-should-i-do)*
2. *[Oversimplify it for me: the correct order of investing](https://money.stackexchange.com/questions/47856/oversimplify-it-for-me-the-correct-order-of-investing)*
3. *[Best way to start investing, for a young person just starting their career?](https://money.stackexchange.com/questions/1625/best-way-to-start-investing-for-a-young-person-just-starting-their-career)*

These were very helpful and I've done them. I'm 30, make about US$150,000 per year, my 401k contribution is set to my company's very generous match and the website says I'm on track to retire at 80+% of my salary. **I have a large savings I need to find something to do with**, and I have no debt besides a cheap mortgage that I'm overpaying and will be paid off before I'm 40. Now the "problem" (I'm very grateful to be in this position):

My wife is in graduate school (no loans fortunately) and about to graduate. Her employment will definitely put us over the contribution limit for an IRA which eliminates the most common investment advice I've seen. Our **expected household income is US$220,000+** in the next two years. Based on the general advice I've seen on here, [Investopedia](https://en.wikipedia.org/wiki/Investopedia), and from friends, my best options are

1. Funnel a bunch more money into 401k even if it exceeds the tax-free limit. **Is this a dumb idea? My 401k has a 20% return over the last three years, so I kind of just want to put a bunch in there and twiddle the riskiness knobs**
2. Do my own stock trading. **I won't to do this as I lack the interest and risk tolerance**
3. Buy into an index fund. I would have to research this more.
4. Pay off the house even sooner, but this is only a temporary fix. **I am looking for something I can do long term.**
5. Hire a financial advisor or similar and let them have at it.
6. Get a second mortgage and dump everything into [Dogecoin](https://en.wikipedia.org/wiki/Dogecoin). Duh.

Do any of these stand out to you or are there other things/caveats I should consider? I'm looking for general advice, links, or reading material. I honestly find this stuff super boring, so if I have to read a book I will, but I'd rather not.