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Here's my question...do I/should I setup a Roth account and should I be doing this jointly with my husband or just in my name?

A Roth is an Individual Retirement Account and thus must be in your name only.

Since your husband is contibuting to his 401K then he probably can not participate in a deductible traditional IRA. So if you are both going to have IRAs then it only makes sense that he open a ROTH as well.

There are many boards here that will help clarify your confusion regarding IRAs. The important thing to remember is that you must have one in each of your names individually. As far as options about your IRAs they are almost limitless.

Good luck to all.

TW
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