 so i think that if okay here's the way i think retirement should kind of flow for you guys you're paying into the new york state system which is great yeah i think that you can put seven thousand dollars into each of your roth iras i would in fact if your wife is having like i don't want to do that much money i'd rather do 7 000 into the roth than do anything in the pre-tax okay i mean i you're in new york state i get it it's a high tax state but