<prompt> Human: He has a traditional IRA through his moms life insurance company that she works for. It earns a fixed 4. No more no less. He thinks thats a great investment and doesnt want to change a thing. I would like to follow Dave Ramseys advice and go with a Roth ira instead and I dont think 4 is all that great. Better than nothing.Were 34 and 35 and he just got his doctorate a couple of years ago and is now working full time. My income in previous years put him through school. So we have no debt except our 100k mortgage on the house we just bought. He just mentioned that he thinks its a good idea to pay off the house aggressively and not worry about retirement right now. I disagree - i think its important to do both.He is contributing 3 with his employers plan and they are matching that 3. So... Am I totally wrong about a 4 return being too low? And how do i go about opening a Roth like Ramsey suggests?  <response>: Fixed 4 is very good in todays interest rate environment, actually. I would use that for my entire bond allocation. At your ages you should be pretty heavy in stocks, but a fixed 4 fund is so good Id keep at least 20-30 of my money in it, maybe more.As long as youre saving money, whether it goes to paying off a mortgage or into retirement accounts, youre doing ok.Make sure you get all matching funds available.One thing to be careful about is the liquidity of the fixed 4 investment. Many of these investments have withdrawal restrictions, which I wouldnt like. 