Group 1 - The article discusses retirement savings options for individuals with high income, specifically addressing the challenges faced by those who exceed the income limits for Roth IRA contributions [2][3] - It highlights the possibility of contributing to a traditional IRA, even if the contributions are non-deductible, and suggests creating a spousal IRA for a non-working spouse [3][7] - The article mentions the backdoor Roth IRA as a potential strategy for high-income earners to still access Roth IRA benefits [3] Group 2 - It advises on mortgage management, suggesting that if the interest rate is below 4%, it may be more beneficial to invest or save rather than make extra mortgage payments [4] - The article points out that high-yield savings accounts and one-year certificates of deposit (CDs) currently offer competitive interest rates, which can be utilized for retirement funding [4] - It emphasizes that savings or investments outside of tax-advantaged accounts can still contribute to retirement funding [4] Group 3 - The contribution limits for IRAs in 2023 are specified, allowing up to $6,500, or $7,500 for individuals aged 50 or older [7] - It explains the tax implications of contributing to a traditional IRA when covered by a workplace retirement plan, noting that contributions may be non-deductible but still allow for tax-deferred growth [8] - The article also mentions the option of converting traditional IRA funds to a Roth IRA, which can be beneficial for tax planning [9]