My retirement account is fully funded. However, regardless of the sort of retirement plan you have, it pays to contribute as much as possible.
If you contribute money to a standard IRA or 401(k), it is pre-tax income that the IRS cannot tax. Furthermore, it is money that you will be able to save and invest for the future.
I keep meticulous records of my business expenditures. As a freelance writer, I don't have a lot of costs associated with my business. However, I have a number of reasonable costs that I can deduct.
Take, for example, my internet service. I need that to accomplish my job, therefore I'm not worried about writing it off.
I avoid taking profits in my brokerage account.My retirement assets are currently held in a single 401(k), but I also have money invested in a standard brokerage account.