IRAs/401ks are top out at upper middle class. They assuming you are deferring 15% of income until you hit $26,000, i.e. and income of @173,000. Employer match a

IRAs/401ks are top out at upper middle class. They assuming you are deferring 15% of income until you hit $26,000, i.e. and income of @173,000. Employer match and HSAs save you some more. Then you start using rich people tax breaks like long term gains, insurance products, real estate, etc.