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Just remember if you cut back your 401k contributions, you will raise your AGI and pay more taxes. You might want to work backwards. Take the total amount you wish to set asisde for retirement (both 401k and Roth), subtract aside $3k for the Roth. The remainder is the amount you want to contribute to the 401k. Now assuming you get paid bi-weekly, divide that amount by 26 to get the amount you want to contribute to the 401k per pay check. Divide that amount by your the gross amount of your bi-weekly pay check. If that is less than 6%, you need to boost it to 6% and not pay the full $3k into the Roth. If it is greater than 6%, then you are in good shape because you can fully fund your Roth and get the extra tax benefits from contributing more to the 401k than just what the company matches.

Another thing to consider when determining what your annual retirement contribution should be is whether you have an e-fund (emergency fund). This should be a cash asset (I like the ING Orange Savings account at 2%) containing 3-6 months of living expenses in case of an unplanned loss of income or expense.
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