I'd agree with rjm1cc yet also suggest looking at form 8880. If her AGI is under 29,500 and files single her contribution would yield a 10% tax credit. That could be $360 back for free! With her income at $32,000 she would need to put her $300 monthly contribution into the 401k or a deductible IRA to get her AGI below the max of $29,500. The Roth won't lower the AGI
As her salary rises this credit will not apply but consider it for the current year. Then resume a Roth-first strategy in the future.
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