No. of Recommendations: 1
Why not? Even if you follow the plan you have laid out in that you want to put aside after-tax retirement dollars in a Roth IRA, why wouldn't you max out what you can put into a Roth, and to do that, you should be contributing to one for you and one for your DW?

I would fully fund both Roths before a 529 or other education savings because of the flexibility of the Roths. I'm also sensitive about funding your wife's, particularly while she's home - she's doing a job that she'll want to retire from, too.

P.S. 2gifts - this reminds me of your story about when your father retired :)
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