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Reply to "What would you do with extra money?"
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[quote=Anonymous]Actually and sorry I didn't notice that you weren't funding ROTH IRAs already. If you don't have traditional IRAs already, then you would do the backdoor ROTH (it seems like you are over the income limits for straight ROTH) and put money in non deductible IRAs and then immediately convert them to ROTHs. No one has asked for your HHI and age and how much you have in retirement total, but if you are on track for retirement, it makes sense to fund the ROTHs each year instead of putting more money in to 529s when you have a tuition benefit. It gives you more flexibility. [/quote]
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