I just graduated from law school and found the perfect job for me. Unfortunately, it does not offer a 401(k). I have a number of old 401(k)s from previous jobs, including a few that have been rolled over into Roth IRAs. Because I was in school for 3 years, I haven't been adding to my retirement saving for that period, thinking I could "make it up." To top it all off, my husband and I now make in excess of the maximum for IRA contributions. How should I be saving for retirement at this point? Jane, Los Angeles, CA

Outside of my 403(b) Base Program, which my employer matches 10% to my 5%, how much should I sock away in a 403(b) Supplemental? Currently, I contribute 5% to a 403(b) Supplemental, for a total of 20% of 110% of my paycheck. I fully fund a ROTH IRA every year, so I am wondering if I should be saving more of my paycheck to a more liquid asset. Michael, Haslett, MI

I'm in my early 30s and work in the government sector. I contribute to a 401(a) and a 457 through my employer, and after discussing things with my wife, I have begun to think I may actually contribute TOO MUCH on a monthly basis. I contribute about 31 percent of my pre-tax income, including those two plus another ~5 percent after taxes to the 401(a). We have a mutual fund that had an acceptable return in 2011. Would I be better off lowering what I contribute to my 457 and 401(a) and increasing deposits into the mutual fund instead? I recently got a promotion with a substantial raise, so I thought now would be the time to reconsider where I am parking my money. Dan, Bloomfield Hills, MI