<prompt> Human: Hi everyone!It was always our 26F, 27M intention to open a Roth IRA years before now. However, life got away from us and we have just now gotten to a point where we have 1k to spare to open one of those Vanguard index fund accounts I think its Vanguard Target 2055 fund? VFFVX?Well, I also realized that I have an old Roth 401K from when I was 23 and fresh out of college at my first job. Since then, I havent had any new IRAs or 401ks since I worked in non-profits that did not provide retirement benefits or I was a contractor status and now Im in school for my masters. Well that account has 2k in it that could be moved to a Roth IRA. I would have to pay taxes on half of that amount that was my previous companys contribution and therefore not taxed didnt know that was how matching worked with Roths...Feels a little defeating of the purpose.My husband and I both know that where you get the most out of your Roth IRA is if your maxing out your contribution every year. We are not at a place to do this for even one account really yet. However, we hope to be one day soon ideally once Ive graduated grad school. For now though, should we...-throw our extra 1k into a new Roth IRA that is in my husbands name while I transfer my Roth 401k to a Roth IRA which should I even do this?. This means wed have two separate Roth IRA accounts, one with 1k starting and another with 2k -OR should we add the extra 1k to my 2k Roth 401k transferred funds and only have one Roth IRA account in my name with around 3k.I really appreciate your help with this! Let me know if there are any other pertinent questions I can answer that might help in deciding.  <response>: Open two, just be safe. Contribute to each equally. You never know what the future holds. 