[mainyy]

Originally Posted by zetta

You can contribute $16,500 to your 401k, and your husband can contribute an additional $16,500 (or whatever the tsp max is) to his tsp. There are some rare circumstances where the 401k max is lowered for the executives at a particular company because not enough of the lower-paid people at the company are contributing, but it is unlikely that it applies to you.

You earn too much to contribute to a ROTH, however, you can each put $5,000 to a traditional IRA. This will be after-tax money, you won't get any sort of tax break.

So altogether you can contribute $43,000 to retirement accounts.

In 2010 there is a special rule that will allow you to convert your traditional IRA to a ROTH IRA. I haven't researched all the details, but this article seems to imply that in 2010 you can make an after-tax contribution to a traditional IRA and then shortly thereafter convert it to a ROTH IRA:

agree with you. your plan is very good.