unless I misunterstand your question, I would dump it all into the Roth Acct, being as it is tax deferred...meaning no taxes on it till you withdraw...It's been a while and I am not 100% on whether the roth is tax deferred or tax exempt.
Upon more thinking, the Roth is tax exempt w/a max deposit per year of 2K. The IRA is tax deferred, meaning no tax on deposited cash, until you withdraw. so the idea is to put a bunch in your IRA, and transfer as much as possible into your Roth each year.
I thought you could put up to 3k in a Roth? Don't forget, it is only tax exempt if you leave it in there the entire time (30 years, I think)
CTENG, I'll ask my dad to think on this tommorow. He's still healing up from his accident, so he doesn't have much to do, and he views investing as a hobby, he really enjoys it, so he knows a lot about it
