 your tax bracket is actually a low federal bracket between the two of you. You're in the 22% bracket. And you're going to have income. You're going to have pension income. You're going to have social security. So I think the Roth makes the most sense. So as you think forward, going forward, right? We're in our 40s. Roth max out for both of you, which gives you 14 grand. You can continue to put some money into your pre-tax, or if she wants to, a little bit into her pre-tax. I wouldn't necessarily go crazy.