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My husband is 8 years older. I did not concider that as part of our funding plans. The 5 year rule is also news to me. I will not change my mind and see about fully funding his before opening one of my own. Thank you all.

My husband has had a ROTH IRA for a long time, but we have never fully funded it. Now that we have a little extra money, he wants me to open my own. My gut feeling is to fully fund his and open mine if we have left over money at the end of the year. Am I wrong. Should I open my own ROTH IRA?