My husband and I both earned promotions at our jobs recently. This will put our AGI for 2025 around 237ish mark…my husband has a ROTH IRA and already invested the max 7k. Can I max out my 401k to lower my income so we are below 236k? Does this mean he has to wait every year to see how much he can invest into his ROTH IRA? How will we know how much he can invest?

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Yes, you can use your 401k to reduce your income below the limit.

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You have some options -
- 401k / FSA/HSA can lower your AGI
- you can do back door roth (be careful of pro-rata if you have Traditional IRA). This is likely best option if you have no Traditional.
- Waiting until January is not really a big deal in long run.
- you can withdraw if you aren’t eligible, the tax impact is small though obviously a hassle.

Run you taxes in January to find your AGI.
Pro-data rule is per person, even if you joint file, so he could back-door without pro-data, seems you would have to deal with pro-rata if over the limit.

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