> Of course, this doesn't address your wife's income, 401(k), or other
> savings. If you post some numbers, many will be happy to offer more advice.

Hi Joe,

With my 403b contributions, mortgage deduction, etc., I have been in
the 15% bracket. My wife has not been working so the 401k on her part
has not been an issue. I would expect she would go back to work part-
time in a couple of years once my second child is in first grade. I
don't imagine she will be making a ton at that point either. I have
about 30K in my 403b at present and as noted have been putting 11% of
my pre-tax income into it yearly as well as fully funding both my and
my wife's Roth IRAs. Also putting about 5K yearly into two 529
plans. Not sure what other numbers you might need.

Thanks,

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