<prompt> Human: Trying to decide whether to open a Roth IRA for myself or my husband. He just started a new job, and has a 401K set up through his employment. I am self employed and make about 10K a year. I have about 55K in savings and am wanting to start putting it somewhere that will give me a decent return. There is a strong possibility that in the next few years I will transition from working to being a full-time stay at home Mom. I know that this would effect my ability to contribute to the IRA. At this point, would it be best to open the account in his name as he is going to be the primary bread winner and will be able to continue contributing each year, or will putting 5K into an IRA in my name while I still qualify be in our best interest? Thanks for any input!  <response>: I know that this would effect my ability to contribute to the IRA.I was under the impression that if you were filing jointly then both partners could contribute to an IRA, even if one partner had no income?Even if you cannot contribute more later, having 5000 in two accounts is mathematically the same as one account with 10,000 growing at the same rate more hassle to keep up with though. Id say open one in your name and have your husband open one in his. 