Best Online Investing Platforms For High-Income Earners in 2026
If you earn above $168,000 as a single filer, the standard investing playbook stops working. Roth IRA phaseouts kick in. The 3.8% Net Investment Income Tax (NIIT) adds a surcharge on investment earnings above $200,000. Contribution limits cap out at $24,500 for 401(k)s, $4,300 for self-only HSAs, and $7,500 for backdoor Roth IRAs per the …
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