I have a brokerage account that I have used for my Roth. I have heard about backdoor Roth, but it seems complicated and I didn't want to do something wrong and get into hot water if I didn't understand the protocol properly (probably unfounded I know).

I know I need to do more, but as a teacher it has been hard to contribute more on my salary than the $6500 when I focused on being debt free and having an emergency fund right after college as a single income. These days, I finally have the income to work with but not so great advice which is why I am here.

Yep, no HSA. I have some regular appointments each month and a set copay so I calculate what I need for the year for those and leave a little extra for other expenses I know I will end of charging throughout the year. So far it has worked out well for me.

Thank you! Most of my peers who no longer qualify have robust 401k plans they use instead and my public sector friends tend to be below the limits, so it has been hard to find people in my position. I really appreciate the input and flowchart.