 Over time, would it grow more if we fully funded one Roth account with $7,000 a year? Not a dime. Or two Roth accounts? $7,000 is $7,000. If it's in seven accounts or one account, it's still $7,000. And if all seven accounts are growing at the same rate, the seven $1,000 accounts will grow to the exact same total as the single $7,000 account mathematically.