Yeah, lots of challenges here. We've done real estate to diversify, which has been nice. Just keep saving and it adds up.

It's never made sense to me. I think this was a lobbying thing to somehow prevent high-income people from avoiding taxes.

I hated the Roth limits as I had one for 2 years and then exceeded the single filer limit, which was annoying

Probably true

It did, lots of weird things over the years. I think it's a "let's send lots to places and hope things slip through