Retirement savings beyond the standard 401k and IRA options
I believe the typical advice is to max out your HSA contributions and save your health care receipts but don’t reimburse yourself yet because there is no deadline for reimbursements. Instead, just treat your HSA like a double tax advantaged retirement investment account.
Beyond that, you’re looking at a regular taxable brokerage account. Look into which asset types are most tax efficient—those are the ones you’ll wanna allocate in your regular taxable brokerage account. Careful, it’s a rabbit hole and you will hit against the law of diminishing marginal returns, but it might be worth it to broad strokes put international funds in your taxable brokerage while your bonds are live in your tax advantaged accounts. There’s more info on this if you search the boglehead wiki.
Our health plan does not give us access to an HSA, so that is off the table for the foreseeable future. I will check out the wiki, so thank you for that!