In my Investment Study Group we have found that you should;1st. Match employers contributions in your 401k, 403b, 2nd. Fully Fund your Roth(you and your spouse)(2000 each)3rd. Maximize your 401k, 403b, etc contributions4th. Buy growths stocks with posttax dollars that have no or low dividends, so that you pay no taxes until you sell your stocks.Non-deductible IRAs make no sense with Roth IRAs available, Roths grow TAX FREE where Non-deductible grow TAX-DEFERRED. The option for estate plan for Roths are fantastic. You never have to withdraw your money from a Roth or pay taxes when you do withdraw them, but all tax-deferred accounts(401k, 403b, IRAs,etc) require you to start taking distributions at 70 1/2 whether you need the money or not and pay ordinary income taxes. If you don't, you pay a 50% penalty on the money you should've withdrawn. You don't have this problem with Roths, only your heirs have to withdraw the money and they can use their life expectancy to determine this withdrawal while it continues to grow tax free.glenn
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