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Rising Star
What’s your 2022 MAGI - it can be based on PY or CY? What do you expect your 2023 MAGI to be? Do one of you earn less than $150k - look into if you can file MFS and qualify that way - run #s both ways to confirm overall benefit?
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1. If you are contributing to Roth 401k. Change it to traditional and max out for the both of you. You can reduce 40-45k there.
2. Max out HSA if you can
3. MFS if one of you makes less than 150k as someone suggested.
4. Look at prior year agi and see if that is eligible.