<prompt> Human: My wife and I both have Roth IRAs and only have enough to possibly max out one per year. Is it more financially beneficial to max one Roth IRA and put any excess into the other, or split contributions between them?  <response>: Money is fungible, so it kind of doesnt matter.HOWEVER that being said, if it was me, Id max one first, that way Im closer to the admiral shares of what I personally invest in, which have a 10k minimum which offers a lower expense ratio. Depending on what you invest in, this may or may not be a consideration. 