You can fund a traditional IRA and 401k up to a certain MAGI.[2] If your spouse doesn't work, or their work doesn't offer a 401k, you can fund a traditional IRA for them as well. Roth IRA is $5.5k/year.[0] If your 401k plan allows in-plan conversions you can also do mega backdoor Roth IRA contributions up to something like $37k. [1]

0. https://www.nerdwallet.com/blog/investing/roth-ira-contribut...

1. https://thecollegeinvestor.com/17561/understanding-the-mega-...

2. https://www.quickanddirtytips.com/money-finance/retirement/c...