If you make your Year 2003 & 2004 Roth IRA contributions you would have a total of $6,000. (I am guessing you are not 50 or older, but if you are, you can contribute a total of $3,500 for 2003 if you turned 50 or older by December 31, 2003, and you can contribute a total of $3,500 for 2004 if you are or will turn 50 or older by December 31, 2004.)If you can never contribute another penny towards a Roth IRA, that is still $6,000 (or $7,000 if you are 50 or older by the end of last December), which can grow potentially tax free for many years. If that $6,000 is invested in something like the Vanguard Total Stock Market Fund and grows 9%/yr for 30 years, that would be $79,606 nominally, or guessing about $30,766 in today's purchasing power (guessing at inflation of 3.4%). I think having that $6,000 grow to have over five times the purchasing power in 30 years is worth the effort to open a Roth IRA and fund it for two years.If your spouse can likewise invest $6,000, your spouse's Roth IRA could potentially grow equivalently.Numbers are for illustrative purposes only--no one really knows what the stock market or what inflation will do in the next 30 years. 8)
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