<prompt> Human: So Im getting married very soon here, and our combined incomes put us over the married filing jointly amount. I have no debts. I have an emergency fund. My employer does not support additional retirement matching. This question is specifically targeted at retirementinvesting index funds. I had been maxing my Roth IRA contributions, and have an investment account not tied to retirement where most of my savings goes.Any advice on what the best spot to put it in is now? Id like to keep contributing to the stock market index funds specifically. It seems like some advice in getting around the income limit is by opening a regular IRA, waiting a month, and rolling it over into a Roth IRA but Im not sure the possible pitfalls of doing this. According to the IRS this is fine and I just have to pay taxes on the amount as I normally would contributing directly. I see that were now allowed only 1 rollover per year, so it would just be important to rollover the max contribution in one go if thats possible. Is there a reason the FAQ for this sub only mentions 401k rollovers rather than traditional IRA - Roth IRA?  <response>: I want to echo the sentiment that at your income level you really should be maxing out your traditional 401k. Jumping through the hoops of a backdoor is all fine and good, but you are passing up the low-hanging fruit of your employer-provided 401k. Contribute the max to that and you may not even have to do a backdoor Roth IRA. But that brings me to something else ... If youre trying to keep money liquid for a house downpayment, then save for your house downpayment separately. Your retirement account including your Roth IRA should be for retirement, and you shouldnt already be planning on pulling your principal out for a house in the shortmedium term. If this is a known expense coming up, then save for it inside a more-appropriate savings vehicle. At your income level, if you havent been taking advantage of your 401k, and youre only contributing to your Roth IRA as a downpayment vehicle... are you even saving enough for retirement? 