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You have to open an account for her. These are Individual Retirement Accounts and cannot be joint.

That said, she can open an account and immediately put $4000 in it. $2000 for 1999 and $2000 for year 2000. You have until April 17 to put in the 1999 contribution.

Just make sure that your wife doesn't already have an IRA account that you don't know about - that she may have already made some contributions for 1999.

-rkm (also a pilot who uses GPS - if that's what your name means)
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