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Most info that I read always states to contribute the max to your 401K plan or at least contribute as much to get the company match. But recently I have read a few articles that have a different view. My tax rate currently is very low, I believe only 15%. Probably at retirement age it will be the same or higher don't you think?

I am 53 currently, my husband is 55. He works for the city as a heavy equipment operator, but has Muscular Sclerosis but is still working. Because of health reasons he would like to retire as soon as possible, but because of insurance/health care costs probably can not.

We have been trying to max our 401K and 403B work plans. We both have upped our contributions to 15% currently. My husband has only been in his plan for about 5 years. My company 401K matches 4% up 8% and my husbands only matches 2.5% up to 5% of his contribution. Most articles state to max, but a few opinions state otherwise. We both contribute to a roth IRA as well for the last 5 or 6 years and have a roth account established now. We also have some mutual funds that we will use for retirement. In what order of priority is it best for us to save for our retirement? And in what order should you start taking money out to live during retirement. We will both have social security hopefully and my husband has a small pension plan. We are concerned about the high cost of health care insurance and we do not have any long term care which is a big concern with my husbands health situation. I just am trying so hard to have a solid plan for our retirement. Please advise us. Thank you for your help in Advance.
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