The youngest only earned $1200 in 2006. The fund I want to send it to has a minimum of $1500. Can we contribute the $1500 even tho she didn't make that much?Well, you can only contribute $1200 for 2006, no more. However, if she's working in 2007 as well, you could contribute $1200 for 2006, and $300 for 2007 (so long as you're sure she'll make that much (or, preferably, already has) ).If that's not the case, it'd be a good idea to fund the Roth anyway and just leave it in a Money Market Fund until you can add more. That way it'll be ready to go eventually, and tax free.