opening 2 IRA's (one in your name, one in hers) would allow you to contribute $4000 per year...$2000 to each.Roth IRA contributions are not tax deductable, but allow tax free qualified withdrawls at retirement. Also, having a 401(k) doesnt exclude you from contributing to a Roth IRA.some links with more info:http://www.fairmark.com/rothira/http://www.fool.com/money/allaboutiras/allaboutiras.htmhope this helps!'zila
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