Physician on FIRE has over 80% of his retirement dollars in post-tax accounts and believes those dollars are worth more than yours. He's probably right.
Don't make the mistake of putting all your resources toward college savings at the expense of retirement savings. It'll likely come back to bite you.
An independent contractor has plenty of excellent options for retirement savings -- an i401(k), SEP IRA, HSA, Defined Benefit/Cash Balance plan, and even a taxable brokerage. Which is best for you?
Overcontributing to a Roth IRA is just one of many common mistakes I see. Advisors and accountants can miss these details so you'll need to understand them. Learn how to identify the problem and how to fix it.