Future Employer Based IRA Contributions

[Marty Joyner]

Hey Everyone...

So we've jumped into the cash-flow rental REI side of things and now are wondering about our employer based plans. Thoughts??

Details: 

Spouse 1 - private sector, frozen pension

• 700k in 401k with an employer 3% safe harbor, 6% match

Spouse 2 - public sector, full pension

• $175k in 403b w/no employer match
• Side Biz (non REI) income of about 80-100k/yr and a 90k SEP IRA

Thoughts on future contributions??  I assume Spouse 1 should max the match.  Spouse 2 possibly stops the contribution to put it to work on more rentals? 22k/yr (both of 50yo).

Thanks for the help...