<prompt> Human: Also, do we need separate IRA accounts in order to contribute 11,000 per year, or can we both make our contributions to the same account?Edit: Noticed I made one of my own grammar pet peeves in the original post: IRA accounts. Thats like saying ATM machine, PIN number, or HIV virus.  <response>: If your wife doesnt earn any income, youshould be able to contribute to a spousal IRA for her. It has the same contribution limit as a non spousal IRA. 