Secure 2.0 and catchup contributions plus 457
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Anonymous
| I am the employee of a large university. I am 50 and right now I max out my 403(b) and I am lucky to also have a 457. I am allowed catch-up contributions for the 403(b) so right now I put 31K into it. But next year I will have less tax deferred space and my catch up contributions will have to be after tax. I am also saving aggressively in a brokerage, HYSA, and maxing out Ibond (10K a year), and putting money into a 529 (4K to get state income dedeuction). Things are tight but I know why. I should keep maxing out both the 403(b) and 457, right? What if anything can I cut back on (I won't cut 529 as I have a junior in high school)? |