# What to do after maxing out **URL:** \ **Category:** Retirement\ **Created:** [August 10, 2023, 1:52pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313 "2023-08-10T13:52:21Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![MaryVick](https://avatars.discourse-cdn.com/v4/letter/m/f04885/32.png) [@MaryVick](https://community.clark.com/u/MaryVick)\ **Post date:** [August 10, 2023, 1:52pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/1 "2023-08-10T13:52:21Z")
Good Morning! Looking for some advice and not finding much when Googling My husband and I make a combined income of $278k (gross). Since we are behind on retirement I would like to save 25% of our gross or $69500. If I max out my 401k ($22500), max out my employers HSA ($7500) and max out a back door Roth IRA ($6500) that only gets me to $36500. How do I save the remaining $33k? My husband has a pension so there isn’t an opportunity on that end with him. Is there a cap on how much I can save annually in a Traditional IRA? TIA! ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [August 10, 2023, 3:21pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/2 "2023-08-10T15:21:48Z")
> [@MaryVick](#): > > How do I save the remaining $33k? If you have a situation where you can create a side business that can show a profit, a SEP IRA allows up to 25% of employee compensation to a max of $66K. ---
**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\ **Post date:** [August 10, 2023, 6:56pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/4 "2023-08-10T18:56:55Z")
We also maxed out our tax advantaged accounts and invested in index funds in our brokerage accounts. Some considerations about taxable accounts: dividends at taxed at the lower dividend tax rate, the tax efficient index funds limit capital gains, tax loss harvesting can be done, and there is a step-up basis at passing for any remaining funds that go to heirs. ---
**Author:** ![MaryVick](https://avatars.discourse-cdn.com/v4/letter/m/f04885/32.png) [@MaryVick](https://community.clark.com/u/MaryVick)\ **Post date:** [August 12, 2023, 12:52am UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/5 "2023-08-12T00:52:23Z")
That’s good to now as a future option. Right now we both work for an employer and have small kids so there isn’t much extra time for a side business. But that may change when the kids are grown ---
**Author:** ![MaryVick](https://avatars.discourse-cdn.com/v4/letter/m/f04885/32.png) [@MaryVick](https://community.clark.com/u/MaryVick)\ **Post date:** [August 12, 2023, 12:55am UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/6 "2023-08-12T00:55:30Z")
We are no over 50 yet. I am 42 and my husband is 35 but once we are both 50 we definitely will up on contributions to the max. My husband is not receiving a pension yet his employer is only contributing as part of his retirement. So since he is working he can also contribute $6500 to a back door Roth IRA? I wasn’t sure if the cap was the total cap for us a married couple filing jointly or an individual cap. ---
**Author:** ![MaryVick](https://avatars.discourse-cdn.com/v4/letter/m/f04885/32.png) [@MaryVick](https://community.clark.com/u/MaryVick)\ **Post date:** [August 12, 2023, 12:56am UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/7 "2023-08-12T00:56:54Z")
Okay I was thinking that the index funds post tax investing might be the final option we have. I will look into doing this as well. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [August 12, 2023, 2:57pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/9 "2023-08-12T14:57:46Z")
> [@MaryVick](#): > > Good Morning! Looking for some advice and not finding much when Googling You might want to try an extended vacation. My wife and I relly enjoyed long treks in the South Pacific and Asia. ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [August 27, 2023, 9:04pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313/10 "2023-08-27T21:04:43Z")
Exactly the right thought.