How do I lower my taxable income this year and any tips for future years ?

[TreecityRains]

Hi there, 

I file taxes married jointly. I take the standard deduction. Are there any deductions / credits I am missing? are there anything I can plan ahead to reduce taxes in future years?

1. For 2023:
   1. maxed pre-tax 401k 
   2. maxed HSA
   3. Income too high for deductible traditional IRA 
   4. taking the standard deduction
   5. Only see child credit and childcare credit
   6. What other tax deductions and credits am I missing?
   7.  
2. For 2024: 
   1. Are there any tax planning I can do now to reduce the AGI? 

[KrisD15]

There are not many ways to lower your Adjusted Gross Income besides the things you already listed, such as an HSA contribution, and contributing to a 401(k) since an IRA  is not beneficial to you as a deduction. 

If your itemized deductions are close to the standard deduction, you can double-up payments you can claim on Schedule A , such as making twice the charitable contributions in one year and none in the next, making last year's December mortgage payment in January and January next year in December. 

After that, your tax reduced by credits. 

[Mike9241]

do you own a home? other than that, since we know nothing about your finances, have you considered sitting down with a financial advisor? Not one that also sells products like annuities and life insurance.