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REDDIT

Contribute to Wife’s Roth IRA or open up Brokerage

G
Dec 19, 2025 · 19:20

Currently my wife (28) is a Stay at home mom. I (30) already contribute 6% of my income to my companies 401k to receive the full match, max out my Roth IRA and max out my HSA. I have some money left over and trying to decide if I should open a Roth IRA for my wife to contribute to, or if I should just put it in a brokerage account so I have more access to the funds. If money was to be put into a brokerage, I would mainly aim to use it as a bridge account to try and retire in my early 50s. Wasn’t sure if it would be smarter to try and max out a Roth for my wife before I touch a brokerage account.