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John's in Boise, Idaho.

Hey, John, what's up?

Hi, thanks for taking my call.

Sure. How can I help?

So my wife and I just pay off our house, and my first instinct was to go ahead and ramp up our retirement contributions and try to max those out as much as possible.

Absolutely.

But then I'm looking back at what we currently have in our retirement accounts.

And we got about $623,000 sitting in traditional.

And I'm wondering, based on our ages, we're at 36 and 38,

if it would make more sense instead of

maxing out new Roth contributions if we should instead maybe try to focus on

converting some of that those additional traditional retirement contributions

to Roth you ought to do both you ought to max them out and then start working on converting it to Roth, but I'm not going to, I'm not going to choose between the two. I'm going to max out first, and then I'm going to get to the above that. I'm going to get to it. What's your income? About 205 household income. Okay. And you've got no payments and you live in Boise, Idaho, no house payment or anything.

So you're not going to be able to that $600,000 in a one fell swoop anyway.

You don't have the money.

Right.

Well, I mean, we also have some like home upgrades and wife's vehicle needs to be upgraded.

Okay.

So I'm kind of looking at the extra money beyond maxing out retirement. You know, a lot of that's going to go that direction. That's fine, but that's not a forever thing. And once the homemaker upgrades done, the car upgrades done, then you can start to peck away at it. And five years from the day, you're going to be making more than 205. Agreed. Agreed. Yeah.

So just, you know, you're 30.

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