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My wife and I are 25 years old. I have been contributing fully to a ROTH IRA for two years now, and my wife has been for one year. We have a combined income around $108,000.

We both just got 401(K)'s at work. My wife's company will match buck for buck up to 5%. My company is doing a "discretionary" matching, meaning it depends on profits for the year.

We started putting 5% in my wifes 401(K), and just 2% into mine, because we don't want to put all of our money into retirement (we wnat some short term plans also)

My question is...

Would I be better of putting more into the 401(K)'s and less in the IRA's? Will it be better in the Tax-deffered acount as opposed to the Roth?

Appreciate any insight into this.

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