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Greetings, Linda, and welcome. You asked:

<<If your spouse is particapating in a 401K, he/she can also particapate in an Roth IRA?>>

Yes, as long as the AGI limits for a Roth are met. If those are exceeded, then a nondeductible traditional IRA may still be used.

<<The working spouse, who particapates in a 401K, can also contribute to an Roth IRA up to $2000 for a non-working spouse?>>

That's also correct. Additionally, the nonworking spouse's IRA may be a traditional IRA that is fully deductible until joint AGI reaches $150K.

Regards..Pixy

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