 So you would recommend me and my wife both open one instead of doesn't matter? Doesn't matter. If you both want one and partially fund it, that's fine. I do want to ask you, though, because you started out by saying you have the Roth 401k. Are you saying that you're fully funding that, which is around $22,500, and then you're moving over to a Roth IRA? I just want to make sure that you're clear on what you've got and what you're funding.