If you're married and in a single-income household , there's still time to boost your 2025 retirement savings through a lesser-known strategy . The move entails using a spousal individual retirement account, which is a separate Roth or traditional IRA for non-earning spouses. The last chance to make retroactive contributions for 2025 is April 15, which is also the federal tax deadline for most filers. Spousal IRAs are "one of the most overlooked tax breaks in the retirement system," said