Getting married and our MAGI will be >$252.0K, which ends our IRA contribution eligibility. Question:

Un utilisateur se voit refuser la possibilité de contribuer à un Roth IRA en raison de son revenu conjoint dépassant le seuil de 252 000 $, il cherche des solutions alternatives pour continuer à épargner pour sa retraite.

I’d greatly appreciate any guidance on this. I’m 38 years old and earn \~$125,000 a year. I didn’t become serious about retirement investing until age 30, but since then I’ve consistently maxed out my Roth IRA and 401K. I’m getting married in the spring and we’ll be filing our first joint tax return for 2026. My future spouse earns substantially more than I do, which will push our combined income well above the $252,000 MAGI limit. I was surprised—and honestly a bit flustered—to learn that, as a result, I’ll no longer be eligible to contribute directly to a Roth IRA. Are there any workarounds for this? I feel like the door to an easier retirement is closed forever because of a life event I couldn't predict. Yes, will continue to max out our respective 401ks, but am disappointed that the $7.5k ROTH contribution is seemingly off limits to both of us moving forward. Does anyone have any experience with this MAGI milestone, and any advice of how to handle?