I have not computed my MAGI for this year (and can't readily touch my return from last year) but I am probably over 71K. I bought rental property last year but it is still under renovations. I can take some of the expenses because I actively participated but I don't have the numbers yet. (I'm behind this year. I usually have my returns completed by the end of January).
I am a US Federal employee. I believe the 457 is only available to state and local governments.
I am not eligible for an HSA.