there is a tax bill before Congress so this could affect you in 2025. Other than your tax bracket we know nothing about your tax situation so suggesting things is difficult. Contribution to a 529 plan is not deductible for federal purposes but some states do allow it. Possibly a reasonable option would be to buy a home or upgrade. However, form a practical perspective, you have to part with $1 to save 22 cents in taxes as the law now stands.
You may want to sit down with a tax advisor once the tax bill passes for advice that fits your situation.
