This and HSA is nice to have as well. Max that out. Pay out of pocket for everything and keep records of it. When you retire you can pull all that out tax free.

This and HSA is nice to have as well. Max that out. Pay out of pocket for everything and keep records of it. When you retire you can pull all that out tax free. Irs says you can can do it. And it is pretax. Any left over money will turn into IRA when your old. But if you have family and can cover the out pocket cost HSA are really nice extra amount. My plan is use my taxable and withdrawal medical expenses from the hsa tax free. So I can convert 401k funds to Roth using the ladder. Ideally the normal Roth I have had for years never gets touched for a long time. Also you can also do a Roth via backdoor.