Yep, we could have contributed more to my husband’s 401(k), and I also have a supplemental…
Joanna Trieger

If you are saving up for pre-IRA/401(k)-age retirement, I’d strongly suggest dumping all you can into a Roth. While your earnings are “locked in”, your contributions can be withdrawn at any time without penalty (since you’ve already been taxed on them.) This might not be enough to carry you into retirement, but it’ll help.

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