OP - You definitely have to keep separate IRAs (which stands for Individual Retirement Account), but there's a nuance you might miss so I'll mention it. You can each contribute $5,500 to a Roth IRA provided your combined income is $11,000 or more. But it doesn't matter which spouse earns the income - you can earn $0, your spouse $100k, and you can contribute $5,500 to a Roth IRA. So while technically you have to use your own individual retirement account, you can rely on your spouse's earned income and can even get the money to fund that IRA from your spouse.