1. I'm married, so does that mean that I can contribute $4000 to a Roth and my wife can contribute $4000, so we get a total of $8000 per year of contributions?Yes, but you each must have your own Roth IRA account. So you could contribute $4000 into a Roth IRA that is held in your name, and then an additional $4000 into a Roth IRA that is held in your wife's name. You could NOT contribute $8000 into just your IRA.2. I'm thinking about taking a job at a startup company that has a 401k program with no company match. In this case are you better off maxing out your Roth contributions, and then putting the rest into the company 401k?That is the general rule if your comapny doesn't match on a 401(k), yes. Whether after maxing out your IRA you want to contribute to your 401(k) or to a taxable account, that is your choice. I personally would choose to put the rest into my 401(k).Hope that helps.Kevin (Slev13)
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