Thanks for the response, I have some follow-up questions for you:
1. If I open a traditional IRA with Vangaurd why must I reduce my Roth 401(k) by that same amount? I thought it was possible to contribute to both of these while staying under the respective limits for each?
2. Great advice, i will switch over to VSTMX.
3. Awesome article, just what I was looking for.
4. I think interest rate is around 4%, i'll check on that though.