<prompt> Human: So I have been following this subreddit for some time and find it incredibly helpful. Thanks in advance for any advice given!I want to start IRA accounts for both myself and my wife we are in early 20s and was wondering what the best places to open these accounts would be. I have been reading up on Vangaurd and they sound like one of my best options. I want to open both a Traditional IRA and a Roth IRA in both of our names 4 accounts and contribute the 11,000 split evenly between each of the 4 accounts. I have heard that diversity is important so should I try to open each account in a different location? This sounds like a logistical nightmare to me Or is it alright to have all 4 accounts in the same place?Also a follow up question: Should I evenly distribute to Traditional and Roth IRA? Or put a certain in each?Thanks!  <response>: Opening accounts at different institutions has nothing to do with diversity. 