No. of Recommendations: 1
Wife has some $ in a Rollover IRA, but we are not actively contributing anything.

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?

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