Greetings, Littlebush, and welcome. You asked:Can I have two Roth IRA accounts as long as I don't go over the $2000 per year total between the two accounts?Is this even smart?While it means more administration to you in keeping track of multiple accounts and it may mean greater expense if each of those custodians charges an annual maintenance fee, there is no reason you can't have as many IRAs as you wish. The only restriction is as you have noted: You cannot in the aggregate contribute more than $2K to any or all of those IRAs combined. Whether the maintenance of multiple accounts is "smart" or not I'll leave to you. :-)Regards..Pixy
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