I'm pretty new to MMM, and very new to investing. Since finding this site, I am now maxing out my 401(k) contributions, and my HSA account, and funneling all of our new mustachian savings into a taxable Vanguard index fund. I have filled out the case study workbook, which I think tells me that I make too much for a Traditional IRA, so I am thinking about maxing out two Roth IRAs for this year (one for me, one for my husband) before putting more money into the taxable account. But I keep getting confused and turned around reading posts in this forum and linked articles.
I'm happy to provide more info if this isn't enough:
In 2016, our AGI was $167,000. Between a recent promotion, my annual raise, and a generous bonus year, I will gross over $200k in 2017. My spouse is a SAHP, and not currently making any taxable income. Is Roth our only IRA option? Should I contribute to a tIRA anyway, even with no immediate tax benefit (or do I have that part wrong?)? Forgo all IRAs and go straight to more index funds? I have read the investment order sticky a few times, but I still am not quite sure which IRAs apply to us.
Thanks very much for your time and consideration. This mustachian thing has been really fun to jump into this year!