The only other tax-advantaged account I can think of -- only applicable if you'll be paying for kids' school costs in the future -- is a 529 plan. I don't have kids, but I hopefully will at some point, so I set up a 529 plan in my niece's name, and I make tax-advantaged investments there. I used my niece as the designated beneficiary because this way I can take advantage of my state's tax credit for 529 contributions for minors while keeping the money in the family. There's no penalty for transferring from a designated beneficiary to that beneficiary's first cousin, so if I have a child in the future, I can transfer the money over into an account in my kid's names with all the tax savings I've accrued along the way. And if I don't have kids, I'll be happy to help my nieces and nephews out with their college expenses. (After all, if I don't have kids, they'll be the ones choosing my nursing home when I get dementia.) I only put a small percentage of my income there, but it does have some tax advantages for me.