Because I'm deferring $24k to my 401k ($18k max + $6K catch-up) and I finally last year got the wife to max out hers ($18k), our MAGI falls just below the phase-out threshold for Roth IRA eligibility for 2015, so we'll be able to put $12k ($5.5k for her, $6.5k for me) into Roth IRAs before April 15 this year! Very psyched about that.
