This spring I managed to sell my husband on the importance of starting to invest for retirement in addition to saving for a house downpayment. Even with our current, admittedly unmustachian savings rates, next year we should be able to max out both Roths, finish off the house fund, and still have more money to invest.
Ideally, our next step would be to use other tax advantaged space for our investments, but the only remotely reasonable option in his 401(k) is a "LargeCap S&P 500 Index Separate Account" with an expense ratio of 0.72% and no employer match. I'm going to look into 403(b) options from my school district and investigate whether teachers in my state can participate in the state employee 457 plan, which is excellent, but if I can't do the 457 and it turns out the 403(b) options are all dreadful annuities, would it make sense to pay the ridiculous expense ratio to use my husband's 401(k) or should we just open a taxable account at Vanguard? We're in the 15% marginal federal tax bracket.