I’m curious, how would you have lowered your AGI by $7k?

Yep, we could have contributed more to my husband’s 401(k), and I also have a supplemental retirement option that I could have opened through my work. It would have certainly been annoying, because we’re trying to stash away post-tax money to fund a quasi-early retirement, but it probably would have been worth it to avoid a decent-sized hit like the one I wrote about. We also could have beefed up our family HSA.

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