<prompt> Human: Financially wed only be capable of meeting the 5,500.00 annual limit on one ROTH.Im leaning towards opening two ROTHs and splitting the 5,500 between the two so that the spouse has their own account and feels involved.Any advice or experience doing this?EDITIt would most likely just be a Vanguard Target fund  <response>: Some funds have minimums of 3K or so, and at first you might have trouble getting into them if you split the money between the two. 