1. her every cent count says:

    @Chris there is a $5,000 limit to both Roth and Traditional IRA contributions. So once I hit that limit, I can't contribute to either.

  2. Chris says:

    Can't you save money in a non-deductible IRA after the Roth? You will not recieve the tax deduction, but will receive tax deferral.

  3. wellheeled says:

    I hear you! I'm in the same situation, making around the same amount and sans 401K. In 2008, I basically maxed out Roth, and then everything else I saved in a taxable money market fund, i.e. emergency cash. If you don't have 6-12 months of living expenses, you might want to concentrate on that. I have around 12-15 months of living expenses right now, and I'm STILL not quite comfortable with it. I'd like to get it to 15-18 months.

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