IRA stands for INDIVIDUAL Retirement Account. So I don't think you *can* combine your IRA with hers! You *have* to keep them separate.If you are both working, and both earning more than $2,000/year, you can each continue to contribute to your IRA's, just as you have done before.If one of you stops working, then the other's IRA can be turned into a "spousal IRA" and the working spouse can contribute $2,000 into the working spouse's IRA and the non-working spouses IRA, assuming the working spouse makes more than $4,000/year. But the accounts *still* need to be maintained as separte accounts, even if you cannot contribute to them anymore, and just let them sit there, accumulating interest, until retirement.
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