The average American leaves $8,200/year in tax savings on the table by underutilizing tax-advantaged accounts. A dual-income household in 2026 can shelter up to $83,100 across 401(k), IRA, HSA, and 529 plans. This comprehensive cheat sheet covers every account type: 401(k) at $23,500 + catch-up, Roth and Traditional IRA at $7,000 + catch-up, HSA triple tax advantage at $4,300/$8,550, SEP IRA at $69,000, Solo 401(k), 529 plans with superfunding, and more. Includes MAGI phase-outs, optimal contribution ordering, and the total household tax-advantaged space calculation.
-Rocky
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