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After reading several threads, I am testing the water w/my 1st post.

Both my wife and I are currently contributing the maximum to our 401ks (17% and 15% respectively). She won't come close to maxing out, but I will, not going over this year because I have only been contributing the max for the past few months. I started taking an intense interest in our finances (about time!) a few months ago and it was one of my first actions (max out the 401ks for the tax break).

After reading a few threads, I am thinking I should be maxing out Roth IRAs to balance out my retirement fund (non-taxable earnings on ROTH vs. taxable 401k earnings). So, lower our 401k deductions to the point where we don't lose any company matches, and as best we can, max out our ROTH IRAs.

Sound about right?


- Matt
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