What We Worry About When We’re No Longer Broke
Nicole Dieker

Since you’re self-employed, your IRA contributions actually max out at the lesser of $53,000/25% of your income: see https://www.irs.gov/publications/p560/ch05.html

Once you’ve paid off your debt and are running a surplus, I’d suggest putting part of the extra into an IRA, a part into improving your daily experience through increased grocery spending and the like, part into major expenses like travel, and possibly part into savings for a down payment on a house or condo.

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