Early 30s, make in the mid 70s. Have a good 401k at work (6% match, plus 5% employer bonus contrib.). I contribute to only what gets matches currently. I also have a small pension which will be approximately $200 a month at retirement (pension is no longer active).
Fiancé works for the state and has a government pension. States pension is troubled (NJ), but we just elected a new governor and he is very friendly to public workers and presumably will not touch the state pensions. She has no retirement savings (pension would provide good money if it lives up to what is promised).
In this situation, should I increase 401k or do a Roth IRA first?