 The seven $1,000 accounts will grow to the exact same total as the single $7,000 account, mathematically. So you would recommend me and my wife both open one? 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?