Meowiz:<<Like you said earlier, money is fungible, whatever that means?!...like a fungus? ;-)>>Fungible: 1. (esp. of goods) being of such nature or kind as to be freely exchangeable or replaceable for another of like nature or kind. ;-)<<I have read that if one spouse is not working, the other one may contribute to an IRA for them, for a total of max. 4K between the two IRA's.