Because of my circumstances, my contributions to a traditional IRA are not pre-tax.
I'm already maxing out my 401k.
1) Does it still make sense for me to contribute to an IRA, even with post-tax money?
2) Can I (and does it make sense to) also contribute to an IRA for my spouse who is currently not employed?
3) f I am contributing post-tax money anyway, does a Roth IRA make more sense than a traditional IRA? Or should I (and can I) do both?