Ok need some smart people to give advice on a IRA. I am self employed with 2 employees. I am thinking about starting a simple ira and just making the mandatory contributions for my employees. Then maxing out mine and my wifes at 10,500 plus 3 % match. Could I also make a nondedutible ira contribution of 4,000 apiece for my wife and I. With the plan of converting them to a Roth later on.Thanks