Once she starts working we want to each put 5% into 401K and start 2 ROTH IRA's and contribute 2,000 each year into each of those. So that would be $3,750 a year for me to my 401K or roughly $300 per month. That would be $2,000 a year for her to her 401K or roughly $175 per month. Thats $475 per month to 401K and $350 combined payment to our Roth IRA's.With your income leve, I would fully fund the Roths ($3K each) this year and every year you can because it looks likely to me that you will only be eligible for a few years because of income limits. Fund the 401K to the point of a full match(if matching is available) first but then really try to max out the Roths while you can.My problem is what will this plan give us in 10 years? 20 years? 30 years?There are statistics and history that can give you estimates but the only way to know is to be in a no-risk investment and that will probably not get you where you want to be.I'll leave the scrolly post to Mark - because he's really good at them.rad
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