回複：請教退休計劃問題。

1)請問 我太太能否買Traditional IRA?

The answer is yes, google spousal IRA.The contribution may or may not be tax deductible.

2)還有我本人和太太能否再買 Roth IRA？

The answer is yes, but if your income is beyond the Roth contribution limit, you can not directly contribute to Roth, you need to contribute to traditional IRA first, then convert to Roth. The pre-existing traditional IRA accounts may complicate the conversion process.