Maxed Out Your 401(k)? Do This Next

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What happens when you’ve maxed out your 401(k), but still want to save more for retirement? In this episode, we talk about smart next steps for high earners and serious savers. From HSAs and backdoor Roth contributions to mega backdoor Roth strategies, taxable brokerage accounts, and more specialized tools, Anthony walks through the options that may help you make the most of extra income in the years leading up to retirement.

Here’s some of what we discuss in this episode:

💰 Extra Savings: What to do after maxing your 401(k).

🏥 HSA Power: A triple-tax-advantaged retirement tool.

🚪 Backdoor Roth: A workaround for higher earners.

🏢 Mega Roth: Check your 401(k) plan options.

📈 Taxable Accounts: Flexible savings with fewer restrictions.

🧩 Advanced Tools: When annuities or life insurance may fit.

0:00 – Intro

2:33 – Why an HSA Can Be a Powerful Tool

4:10 – Roth IRA and the Backdoor Roth Strategy

8:03 – Mega Backdoor Roth Through Your 401(k) Plan

11:59 – Using a Taxable Brokerage Account