If neither you nor your spouse has earned income, you may not contribute to an IRA; however if you previously established an IRA while one of you had earned income, you may continue to hold your IRA at Harbor Funds without making additional contributions.
Spousal contributions are generally limited to 100% of earned income, up to $5,500 ($6,500 if age 50 or older) for tax year 2015.
Please consult with a tax adviser for more details.
Note that in the year you reach age 70 ½, you are still permitted to make a catch-up contribution for the prior tax year up until the tax filing deadline, not including extensions (generally, April 15).
For more information, refer to our chart on Retirement Plan Limits.