Goals - Retirement

Now that I'm not buying a house anymore, I need some new 2010 goals. I'm trying to balance retirement with the huge amount of cash we're going to need soon, if not this year.

For 2009, we're going to be solidly in the 33% tax bracket. But next year... Maybe not. With me making peanuts, Senor Dog would have to go up in income next year. So, I hope we'll still be in the 33% bracket, but maybe not. It might be better to take the deductions now before we drop to 28% with my measly income.

So, maybe we should increase the 2009 retirement contributions in early 2010.

So far in 2009, we maxed out my 401(k), which rolled to an IRA when I got laid off. We've also put in 7K in SEP IRA. Whew. But we could do more.

Current balance is about 80K in retirement. 100K sounds like a nice round number for 2010. But I'm not sure that's more important than cash for the house...