re: What do you consider sufficient retirement contributions?

quote:

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I am not eligible for Roth. I choose not to do the traditional ira at this point because it does not make sense.

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Mistake, and not entirely true.

You can contribute to the Traditional and do a conversion to the Roth. Called backdoor ROTH.

You still have time to do it for 2017. You and your wife can stash another $5,500 each ($11,000 total).

You'll be adding Form 8606 to your tax return. That isn't available until February 8th from the IRS though. I'm basically sitting here waiting for that form so I can file my taxes this year.