I don’t have the numbers in front of me but I’ll approximate for an example.
Money put into a Roth is after tax, so you pay taxes just as if it is income. In a non roth ira, 401k, 457, 403b, etc, the taxes are deferred, so your contributions are subtracted from your income.
Married filing jointly the 15% bracket is up to ~$74000. Standard Deductions of ~$14000, so you can earn up to ~88k in income at the 15% bracket.
Let’s say you and your husband make 110k per year. Anything above 88k you are paying 25% tax. So I would look at 110k-88k=22k into a tax deferred account since you will probably be in a lower bracket when you retire (I would first get any match in a HSA, then 457 for ease of access, then max the HSA, finally 403 and IRA since they can be set up as Roth accounts). Next any money you want to save go ahead and put in your Roth Accounts until they are full. Finally fill the rest of your space in the tax deferred accounts.
This is my normal strategy, but next year I have capital gains throwing me a curve ball.
Once you get into the nitty gritty of your numbers remember that things like insurance premiums, itemizing on you taxes and I am sure a ton of other little things will make small differences.
Again none of the numbers are accurate, just there to give an example.
I am by no means a tax professional, but please feel free to ask questions. There is a lot to consider.