<prompt> Human: I opened a Roth with Schwab and I have 3k in there right now. I make about 30k a year. My wife makes about 120k a year. But I want to take advantage of her old age. Would this make sense? Is there joint accounts? Can I Just switch mine over to her name? Whats the best way to go about this. Edit. Also what happens if my wife dies?  <response>: Lol take advantage of her old age 