Thanks EVO. We are not in a high tax bracket though. So, whatcha think I should do?
If you are not sure what to do, you should seek financial advise or learn more on your own. For example, my credit union has a in house advisor. I am told the first consultation is free. There are also financial planners that charge by the hour. If you think there is a chance you might have to use Obamacare, a Roth IRA might not be right for you.