DTI measures the amount of debt correlated to your overall income. This helps to determine if you can get a loan approval

If your standard deduction is less than the total of your itemized deductions, then you should be able to save money.

The max contribution for the 401(k) and the Roth 401(k) is $19,500 yealry. If you're over 50, you can add $6,500 in catch up contributions.