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I for one would tell you to definitely consider the IRA. Why would anyone say it is too costly? You need all the help into retirement that you can get. Myself, I would fund an IRA for myself and my spouse before I would ever buy a house - if I had to choose that is. Take a deep breath, read the info on this website, don't panic. Go the library and check out the Motley Fool books and also a book called "The Wealthy Barber". You are late to the party, but a dance has been saved for you. Make sure that you and your wife are singing from the same song sheet.
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