I am looking for advice on if I should use my savings to max out my Roth? My wife recently quit her job and I have 40,000 in a high-yield savings account, however, those interest rates are dropping. I am thinking about taking 14,000 of that and split it between mine and my wife’s Roth. Would this be a better choice than leaving it in the savings since I would essentially have access to it just not the gains? I was hoping to do this throughout the next three years to essentially move all of my savings into Roth.