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You wrote, If we set up a joint Roth however, we wouldn't be able to max it out at 10% of her gross salary (assuming I understand the limit correctly is $6000). Were I to make it an individual Roth, then yes we'd be able to max it out and then start on the 403(b). I am basically putting 15% into my 401(k) and 1.5% into a pension plan, (16.5%) total.

Of course you can't actually have a joint retirement account; but I think I understand what you're saying. You plan to effectively use her income to fund both of your Roth IRA accounts. Fair enough.

There's another variable here -- your own 401(k) plan. How much of that is matched? How cost-effective are the plan options? Can your wife do better with her 403(b) plan? If so, you might want to cut back on your own 401(k) to fund the Roth IRAs and let her pour as much of her income as she can into her 403(b).

- Joel
Many happy returns...
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