Thanks for the prompt replies and for the congratulations (being a Mom is already great!)...but I think I still need clairfication.

Does this mean, that for 1999 we each can put in $2k

Me: $2K Husband: $2K

but for 2000, I put in 0 and my husband puts $4K into his account?

Me: 0 Husband $4K

or...that, in essence we're both just putting $2K into each account like we did for 1999:

Me: $2K Husband $2K

I guess what I'm really asking is: What does it mean to say that my husband "can make a contribution for himself and you" -- each account has our individual names on them (thus the "I" in "IRA") right? Maybe you phrased it that way 'cause my husband is on the only one making the money? Thus -- he's the one making the contribution on my behalf?

Maybe my brain is already turing to mush!

Thanks again--

Beth