Recommendations for topping off 401k? I have a a 403(b) at work that I’m not able to put the max in every year. I put in around 10k of the total 22.5K max, not including a company match. I would love to max it out for the added retirement savings and to lower my AGI, but unfortunately I need some of that cash for my lifestyle right now. However, I also have some irregular income fro…