Question for those with both Traditional and Roth IRA's

[csziggy]

1. My husband has both

Before he retired, he had money taken out of his paychecks to be put into the 401K - a major advantage since the company he worked for matched his contributions up to a certain percentage. At the end of each year we'd figure out how much we could afford to contribute to his Roth. Many years it wasn't anything, which is why his Roth has only half what his 401K has in it. I wish we'd been able to set up regular contributions to his Roth the same way we did his 401K but we just couldn't do it with the budget.

If your employer does matching, put more into the 401k to maximize how much you can get out of them. Regular contributions, taken out of your paycheck before you get it, are the most painless way to contribute. That's the only advice I can or will give.