 I am 60. My yearly income is $124,000. We currently contribute eight grand each to our Roths. I'm maxing my 457 at $30,500. Our assets are her IRA, which is $264,000, Roth $68,000, my IRA $473,000, Roth $181,000, Roth $457,000, $100,000, joint brokerage about $170,000,