I'm planning a similar strategy for 2022. Half my income will be tax free due to my unique work situation. For the taxable half of my income, I'll be allocating 50%(the highest my employer allows) into 401k, and maxing traditional IRA's. This will yield roughly a 0 to -4% tax rate, so I plan to have no taxes withheld from my paychecks, and may get a small refund. I won't be in the same situation as far as student loans. I have a relatively small balance, with a fund stashed away to pay them off in the spring if when student loan forgiveness does not come to pass here in the states. Since I will take home 90% of my remaining taxable wages(since FICA and state tax), I'll still be able to invest some after tax money. I'm old and almost broke, so this is needed.
