Key Points A 401(k) is a great option if it's available to you, especially if you qualify for a match. Those with high-deductible health insurance plans can stash money in an HSA. A taxable brokerage account could be a good choice for those hoping to retire early. The $23,760 Social Security bonus most retirees completely overlook › Maxing out your IRA for the year is a big accomplishment, but if you have a lot of extra cash to spare, it can also be a frustrating ceiling. You can't contribute more to your IRA without triggering tax penalties, but that doesn't mean you're stuck waiting until January before you can set more money aside for retirement. You have at least one and possibly several options to choose from.
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