Isn't $135k joint in the 25% tax bracket? If so, it's probably a wash between Roth and 401k. One thing to think about is, if you have kids, getting your taxable low enough to fully take advantage of the child tax credit. Otherwise, I don't think it matters all that much. I hope you get on the MMM train. Our income is almost identical to yours and we're putting away $45000/yr (including matches), plus paying a mortgage, childcare (2 kids under 5), and a high car payment. The last isn't mustachian, but we got an amazing deal on a Chevy Volt, and are paying it off over a very short period of time.