Am I too late in the ROTH

Am I too late in the ROTH Hello l'm a 41 year old man, my wife is 36 and our income is $130,000 | just opened Roth IRAs for my wife and I. We each have $16,000 in our ROTHs, invested in 70% FZROX and 30% FTIHX, we have $50,000 in a high yield savings, I have $350,000 in a annuity from work that I contribute $14,000 a year with a 3% interest, I will receive a $3500 a mont...

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