<prompt> Human: Also to add to the complexity, for the two Roths scenario if one was already aged say 10 years and one was starting but both deposit totals could match the single year Roth max; would it be better that way or deposit only into the agednew account. Newly married in 2012 so my first tax season under this status and this question popped into my head. Dont know the lawsrules for joint IRAs yet.edit: LOL on joint IRA. Sorry about that, my brain was thinking filing taxes jointly but fingers typed joint IRA instead because I know its going to be claimed on the taxes somewhere.  <response>: The I in IRA stands for Individual. Theres no such thing as a joint IRA, each would belong to 1 person. 