I'm not sure I understand the question--is it whether you should only have one IRA between you? If that's your question, then I'd say, no, keep your separate IRAs. CORRECTION: you must have separate IRAs, legally. You can't just have one in both of your names. Even if you're each only putting in $300/month, that's fine. You don't need to be maxing them out ($5,500 per year) to be making good use of them.