What are some things I can do now to pay less tax at year-end, other than starting 401k account?

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Been looking into this too. Maxing an HSA ($3,500) and maxing an IRA ($6,000) seem to be good ways to lower your taxable income

Yes I’m just saying once you reach the point that you are making non deductible contributions to an IRA, you can still gain a (potential, future) tax advantage by converting it to a Roth.

Get a mortgage, give money to charity, get some dependents - but note, all of those things will cost you money too. It’s a question of whether you’d like to direct your dollars or have the government do it for you.

SM2 good point

Open donor advise fund and use for future donations. Can write off on taxes this year.

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