<prompt> Human: So Im just now learning about offsetting taxes with 401k usage and Im in a neat situation. My wife dosnt work and I make roughly 30k a year but can easily bump that to 40k I put 5 in my 401k company matches plus bonus and stuff like that. I started thinking about having my wife work for a couple years in a min wage job and having her max out her company 401k she will probably only make 18k at most anyways. Do you guys think this sounds good for a plan? Im looking for her to basicly set up a little help for her side when we retire. Also could this lower taxes on my side to?  <response>: Its an idea, but a lot a minimum wage jobs dont offer 401k programs, 401ks are often only offered through qualified professional jobs, though most jobs offer investment programs they may or may not be tax exempt. 