A post-retirement IRA contribution
If you’ve retired, you cannot personally contribute to a traditional IRA anymore. You have to be working and prove income in order to make these contributions. However, if your spouse is not yet retired and is working, he or she can contribute to something called a Spousal IRA, from which you can benefit. You can see specifics of the regulations here, but some major points include the fact that your spouse’s earnings must be from wages, salaries, tips, 1099s, and work-related income, but cannot come from things like investment interest or profits from property held. Your spouse can contribute up to $6,000 a year to both his or her own personal IRA and the spousal one, or $7,000 if she or he is over the age of 50.