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You should still be able to contribute to a traditional IRA. Also, if your employer has the option, you can contribute to an after-tax 401k and convert to your Roth IRA via a mega back door
& my car is from early 2000s so probably not good for renting out. But, hey! no monthly payment. 😎 I refuse to buy a car where I'll need a monthly payment. So I'll also be saving for another used car for when the inevitable comes.
Mentor
Don’t just contribute to a traditional IRA. It really isn’t great if you don’t get any tax benefit. If you don’t already have Trad IRA funds, use the Trad IRA to do a backdoor roth.
This ^^