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Well this is probably a strange question but my wife and I have a small problem. My wife has been contributing the max to her companies 401k(no match but there are a few index funds) for a few years. We opened Roth ira's this year and maxed both out as well. Now my work is going to be offering a SIMPLE-IRA(I'd prefer a SEP but oh well).

We're in a position currently where we can max that as well. We don't expect this to last for many more years do to possibly buying another home. Before finding out about the SIMPLE-IRA I was just planning on opening a taxable account and putting the money there over the next couple years.

Is it possible to over do it with having to much tied up in retirement accounts? It figures out to be almost 30% of gross pay that would be going into retirement accounts. We have a large emergency fund as well as a savings account(used for things like her new appliances and the big screen tv I want to buy in the next year or 2).

I guess my main concern is that retirement is so far away(I'm 31, she's 33) I have no clue what taxes will be then. Not to mention by then the government may want a tax on our Roths lol. With a taxable account atleast you have an idea what to expect.

Thanks for any input,
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