My husband and I are both 29 and take home about $70k combined after taxes. I've had a Roth IRA for a few years but only this year was able to start maxing it out. By the end of the year I'll have just under 30k there. I'm self employed so my IRA is my only retirement.
My husband works for the state and has PERA. Depending on how long he stays in his job he gets a certain percentage of his income when he leaves. If he retires there after having worked there for 35 years, he gets something like 80 or 85% of his max salary for life. He's planning to stay there for his career, but it makes me nervous to depend on that. His employer does not offer a match but he is accruing retirement that he'll be able to take with him if he leaves before he becomes eligible for getting a percentage of his salary. I hope this makes sense :) He's been working there for almost three years and has about 16k accrued.
What else do we need to be doing?
Submitted May 09, 2017 at 08:15PM by chupachupp http://ift.tt/2pxtZRz
