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>Does the 401k have the ability to add additional
>funds for the purpose of saving for retirement
>for a non-working spouse, like the IRA does?

No. The limit on annual 401k investment is based on
IRS codes and the amount of participation in the
401k plan at your husband's company. It is set
(based on those factors) by the company.
That same limit applies to all employees, whether
single or married.

Your husband should "max out" his 401k investment.
The 401k will automatically become yours if your
husband dies before you do (this is part of the
IRS code - ie, a law - you WILL get it - and can
roll it into an IRA at that time).

After maxing out your husband's 401k, you can still save $2000 each in IRAs - each of you can open an
IRA account for yourselves, preferably at a
discount broker, or Vanguard (my prefs).

After you have done that, continue to save (if
you have more $$) in a normal, taxable brokerage
account or mutual funds (if you want to retire
as soon as posssible...)

best of luck...

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