<prompt> Human: My wifes employer doesnt offer a 401k plan, but of course we want to make sure shes saving for retirement.The initial plan was to open up a traditional IRA in her name, but the problem with that is that it means we cant max out our Roth IRA contributions. Its worth noting our Roth IRA isnt exclusively a retirement account at this point -- weve been maxing it out with the idea that if we were to buy a house in the next 5 years we could withdraw the initial contributions to put towards a down payment or other large purchase and if we dont spend it, its growing in a tax-sheltered retirement account. My employer does offer a 401k, and we could contribute more to that and treat it as a joint 401k account, but that seems kind of shady since 401k accounts are supposed to be individual accounts.Is it possible to open a 401k account in my wifes name somehow? Ive read a little bit about Solo 401k accounts, but it sounds like this might only be for small business owners?Thanks!  <response>: There is nothing shady about maxing your 401k with the intention of providing for both you and your wife during retirement. With the current situation you laid out, you the two of you can put up to 24,050 per year into tax advantaged retirement accounts. If you want to save more then just put it into a non-tax-advantaged account. 