> Should a married couple each have a roth iras?

Should a married couple each have a roth iras?

Posted at: 2014-12-05 
No 401k but we invest in individual stocks

Most definitely. Each can pursue a portfolio suitable for their risk tolerance and longevity risks. Please note that you may need to investigate the number of holdings in stocks and bonds needed to provide the necessary diversification.

yes since a distribution including all the capital gains from a ROTH is not taxed like a traditional IRA or 401K,

Yes, it is a good idea for both to save for retirement. By both of your saving you can double the amount put away each year.

The only time "no" is the right answer is if the money could be used for paying off debts instead.

No 401k but we invest in individual stocks