Some really positive retirement legislation was passed at the end of the year, and if you haven't seen anything about it yet you should look it up. From delaying RMD's to increasing catch-up contributions to allowing the conversion of a 529 that wasn't used for education to a Roth IRA its all good stuff. Highly recommend you check it out, if nothing else it provides great opportunity to defer more unneeded income during your "high earning" years until after retirement. Save on Taxes, Buy more guns. Consult with a finance professional and CPA before making any decisions. This has been your friendly Finance PSA.