[l2ridehd]

Your 50/50 suggestion is probably the best. Check 401K expense ratios and if they are over .35% go 100% Roth and chose a very low cost fund at Vanguard, Schwab or Fidelity to place the funds in. No one can predict what future tax implications will hold for her when she retires so having money in both is the best solution. However only if it makes sense from an expense view. A Roth can be done for .10% at one of those investment agents. Personally I prefer Vanguard as they continue to lower expenses every year. The others do it, but only because they have to to stay competitive with Vanguard. Go with a very broad based fund like a target 2050 retirement fund or Total Stock Market fund.