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Jeremy, welcome to the Dave Ramsey show. Dave, thanks for taking my call. Sure. What's up? So I have a question about retirement contributions, fifteen percent of income going into tax deferred retirement. Do you have any suggestions for somebody who doesn't have a 4._0._1._K at work, and who also makes above the income threshold for Roth IRA is there anything other than a traditional IRA that I could contribute to you can do a back door Roth which regardless of your income. I do one every year in a way above the threshold and my wife that one when my wife is. Well, all that is is you open a an after tax traditional IRA in thirty seconds later. Roll it into a Roth. Okay. And that's privately that would. Yeah. That would still be only six thousand a year single person. Yes. Okay. And you're making over two over two hundred over hundred fifty. Yes. Okay. Good. Well, I guess as part of the way there anyway, we can do that. And you are you're not self employed. I'm not no, okay. All right. And your company has no 4._0._1._K. Wow. Okay. Well, the only other thing that's left. Then is I would do what are called low turnover mutual funds. Now the way that works is if you buy a single stock like, let's say you bought a share of XYZ company for fifty dollars, and it goes up in value to seventy dollars. You do not pay taxes on the on the twenty dollar increase in value until you sell it Correio since it grows tax deferred. And when you do sell it is holding longer than a year..