the bogleheads wiki and forum is of course, a great resource, better than HN for this.
> I can aim to max out 401k contributions, and then what?
unless your 401k has extremely good expense ratios (<0.1%), i'd: put enough into the 401k to get the full employer match, then max vanguard/fidelity/schwab IRAs for yourself and your partner. then go back and max the 401k.
(i think you'll want to do a backdoor roth on that IRA, but i'm not familiar with that, as my income isn't quite there yet.)
at 200k i expect you can pull all of that off easily enough.
> I consider things like side hustles...
at this point you're already generating more funds than you can squeeze into tax advantaged status. so... make as much as you can, save as much of it as you can, and aim towards investments that produce fewer dividends, so that you can reduce your tax burden.
> I can aim to max out 401k contributions, and then what?
unless your 401k has extremely good expense ratios (<0.1%), i'd: put enough into the 401k to get the full employer match, then max vanguard/fidelity/schwab IRAs for yourself and your partner. then go back and max the 401k.
(i think you'll want to do a backdoor roth on that IRA, but i'm not familiar with that, as my income isn't quite there yet.)
at 200k i expect you can pull all of that off easily enough.
> I consider things like side hustles...
at this point you're already generating more funds than you can squeeze into tax advantaged status. so... make as much as you can, save as much of it as you can, and aim towards investments that produce fewer dividends, so that you can reduce your tax burden.