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<< <<I plan to open an IRA after the first of the year. Can a person deposit 4000.00 per year
on a joint return even if the wife doesn't work?>>

Yes, you may put $2K into an IRA for yourself and another $2K in a spousal IRA for your wife.
Yours may or may not be deductible depending on your AGI and your participation in a retirement
plan at work. Your wife's is entirely deductible if you want it to be. See my IRA discussion in the
Foolish Retirement Plan Primer available at http://www.fool.com/Retirement/Retirement.htm .

Regards…..Pixy >>

Pixy:

That Retirement Plan Primer was great!

WELL DONE!!

999
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