<p>Thumper, if they haven’t questioned that, does that mean they didn’t consider balance to be out of proportion? I don’t know how you would overfund retirement account, if you are employed, you can only contribute, according to limits. </p>
<p>Would it make sense to invest in Roth IRAs for next 4 yrs? so the amount you will be investing will be less as the taxes will be taken out before investing and taxes you pay will be high, which will lower EFC? </p>