It’s never too late to start planning for retirement—whether you’re single or a couple—there’s money out there to put away, but you need to choose the right option. It all starts with your 401(k) and knowing the maximum, which is $24,500 per person. “Couples treat retirement accounts as separate instruments rather than a system, and that is a major mistake,” Chad Cummings, attorney and accountant with  Cummings & Cummings Law , tells Realtor.com. “When one spouse maximizes a traditional 401(k)