<prompt> Human: Hey all-My wife is planning on quitting her job in February so we can start a family. She will not be seeking a new job in the foreseeable future. What Im trying to do is make sure that we maximize the benefits we are getting from her employer before she quits. She makes 55,000 a year. I make 150k-200k my income varies. We both have 401ks, and Roth IRAs that we contribute to via the backdoor. As of now, she does not have a traditional IRA.Heres what Ive thought of so far:1. Take advantage of eye and dental insurance with January appointments.2. Increase 401k contributions to maximum level; she already contributes 25 of her salary, so she is checking with HR to see what the maximum contribution is.3. Hold off on rolling her 401k into an IRA until 2015 so we can do a backdoor Roth for her in 2014, assuming theres no significant fees for her to do this. Her 401k selection isnt bad, they have low-fee index funds.Is there anything else we need to make sure to do while she still has income, or anything else we should take advantage of while she is still employed?Thanks!EDIT: To be clear, we are not struggling for money; I just want to optimize the process of her quitting and avoid leaving any money or benefits on the table.  <response>: My wife is planning on quitting her job in February so we can start a family. Understand it take the typical couple on average a year of trying to get pregnant. Now of course some people get pregnant the first month, but that is why this is an average. Her job gets very busy in March through June and she doesnt want to go through that again this year.It sounds like she just wantsneeds a break from work and starting a family is a good excuse for that. 