<prompt> Human: My wife has been out of college for about 4 years and Ive been out for 1. My wife will be quitting her job in about a month due to the arrival of our second child. I just started a 401k with my company, but my wife has had one for a while and has a few thousand dollars in it? Should I transfer her 401k to my 401k so we have more money in it sooner? Or is there something better? Ive read some general ideas what to do with it, but not specifically for married people.EDIT: said IRA when I meant 401k. Apologies.  <response>: Should I transfer her IRA to my IRA so we have more money in it sooner?You cant do this. You have to keep IRAs separate. You can rollover her 401k to an IRA for her.On top of that, you can still contribute to her IRA even if she doesnt have earned income, although she probably has enough for 2013. 