Confused at what we should do for retirement based on incomes My wife and I are in our 30s and file jointly for taxes, make about $295,000 pre-tax a year. So we can’t contribute to the Roth IRAs (had been in previous years) anymore because income but could do a backdoor. We expect to take/make less in retirement than we are earning right now. We have the current retirement accounts open: Vanguard Roth IRA…