No. of Recommendations: 2
Our plan thusfar goes like this:
- Invest 5% (the highest matched) for TSP
- Max both spouse and I's Roth IRA
- Invest remaining 8% into TSP to meet limits (13% max allowed)
The next steps then confuse me:
- Put as much in 403(b) for wife or Traditional IRA or something else?
- What to do with remaining savings (if we have any?)


I just want to point out one issue with your scenario above. Once you have fully funded a Roth IRA for you and spouse, the Traditional IRA is no longer an option. You are limited to a total contribution of $3000 ($3500 age permitting) between all IRA accounts.

Other than that, I think your plan sounds solid. Once you meet the limits for the TSP and Roth IRA, I would probably investigate funding the 403(b) and/or a standard taxable account. I know you want as much tax deferred as possible but a LTBH taxable account may work well.

Also, I assume you a fully funded eFund. If not, you may want to start adding funds into a stable account such as a savings account or MMA.

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