 me and my wife both open one doesn't matter 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