Welcome Keith. I’ve been reading your blog for a few months now and thoroughly enjoy it. I love the depth you go into, and I am actually trying intermittent dieting myself with positive results.
Anyways, I’m maxing out my and my wife’s employee sponsored plans using S&P 500 indexes, but I wanted to use our IRA’s for a little more creativity (30% VYM, 30% VIG, 20% VDC, 10% VHT, 10% VPU). I work a different set of hours every pay period, and my wife gets weekend and night differential pay, so it is difficult to figure out exactly what our final salaries will be for the year. We should be in the 15% federal tax bracket (firefighter and nurse, not huge salaries). If so, should we utilize the traditional IRA to add even more tax savings now, or work on our ROTH’s since we can’t get into a lower tax bracket anyway regardless of how much we contribute? With the focus on dividends in the IRA I’m torn between pocketing more money now, or more savings later.