note that Roth is based on AGI, not gross income.
Even if your Gross pay was 170k, if you could defer some of this (401k) and defer more (HSA) and defer more (dependant care account) and defer more (other salary deferrals) it's possible to get AGI well under 99k.
We gross close to max, but our AGI is nowhere near the max- thanks to close to 10k going to 401ks and other things taken out of checks.
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