I don't even know that it's legal to do it pretax.

The thing is, I have gotten to a point income wise, and I'm certainly not alone, and a life situation where, everything is paid for (actually has been for awhile-not bragging just illustrating). My family, in this situation, and we do what we want, has a monthly money usage need of only about $3500. This spikes when we pay property taxes.

My write offs are a farm, about $70k of the top, and rental real estate depreciation. There are other write offs but are largely inconsequential in comparison and I try to make them as big as possible. I max my 401k. Etc.

Anyone who is fiscally responsible in this job will easily get to this point in their life. The only differences IMO, would be the speed at which they get there. That is probably based mostly on where they live.

Anyway, I make more than I need and I'd like to put away more (pretax). At the same time, as you know, I'm a greenslip Ho. I figure if I'm willing to fly it at straight pay, I'd be dumb not to at 2x pay.

The issue is, my desire to pay more tax is not why I work. I have, for a number of years, brought up that income level sweet spot above which there is a big earnings gap where you are working more for the tax man than yourself.

My fix would be some way to defer more income, some how. That's all.