I know, and I say that tongue in cheek. If you marry someone bad with money, probably not worth it. LOL. But if she didn't work, or make much, you could do the ROTH! (Until the next tax law change anyway...) Good Luck.
Also, just to point out I believe you contribution phases out between $99k & $114k (whatever the numbers are hits year). So when you do your taxes, the software will tell you how much you can contribute for 2007. You might be able to contribute some to a ROTH, between phase-outs and your 401k. If so, I would do what you can. The difference between the ROTH contribution and $4k can go to start a non-deductible IRA. You don't have to fund them until next April 15th. Just to clarify, if you did not know all these details. When you are on the verge, it is best to wait until you do your taxes before you fund your IRAs - see where you stand.
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